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Full text of "Twenty Ninth Massachusetts Fire"

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PUBLIC DOCUMENT. No. 9. 



TWENTY-NINTH ANNUAL REPORT 



or THE 



INSURANCE COMMISSIONER 



January 1, 1884. 



PABT I. 

FIRE AND MARINE INSURANCE. 



BOSTON : 

WRIGHT & POTTER PRINTING CO., STATE PRINTERS, 
18 Post Office Square, 

1884. 

d 



. .I3RARI OF HASSAGHU^ 

STATE HOUSE, BOSTON. 



ira *> 









TABLE OF CONTENTS. 



[For Index to Companies, see end of Volume.] 



COMMISSIONER'S REPORT. 

PAGE 

Companies admitted, ' • v 

Companies withdrawn, . . . . . . -. . • • v 

Companies authorized in Massachusetts, vi 

Act in relation to capital of foreign fire and marine companies, . . . vii 

Business of 1883, . . . . . . . . . . . . viii 

Massachusetts Mutual Fire Insurance Companies, .... viii 

Comparative Table A, viii 

Massachusetts Mutual Marine Insurance Companies, ... ix 

Comparative Table B, ix 

Massachusetts Joint-Stock Insurance Companies, .... ix 

Comparative Table C, ix 

Insurance Companies of Other States, x 

Comparative Table D, x 

United States Branches of Foreign Insurance Companies, . . xi 

Comparative Table E, xi 

Aggregates of all the Companies, xii 

Massachusetts Business, xiii 

Comparative Table F, . .'..". xiii 

Comparative Ratios, xiii 

Fire Losses and Insurance for ten years, xiv 

Department Examinations, .... xiv 

Massachusetts Companies, xv 

Companies of foreign countries, xvi 

Annual Statements, New Legislation, xvii 

Act in relation to Annual Statements of Foreign Companies, . . . xviii 

Receiverships, xix 

Fires and their Prevention, . . ....... xix 



iv TABLE OF CONTENTS. 

Cost of Insurance, How to Reduce it, xxiii 

Fire experience of ten years, xxiv 

Statistical Tabulations, xxxi 

Massachusetts Mutual Fire Insurance Companies, .... xxxii 

Table I. — Risks, assets, liabilities, and surplus, xxxii 

Massachusetts Manufacturers' Mutuals, ...... xxxiii 

Table II. — Gross cash income and expenditures, premiums, losses, 

and expenses, xxxiv 

Massachusetts Manufacturers' Mutuals, . . . . . xxxv 

Massachusetts Mutual Marine Insurance Companies, . . . xxxvi 
Table III. — Guarantee fund, scrip, risks, assets, liabilities, and 

surplus, xxxvi 

Table IV. — Gross cash income and expenditures, premiums, losses, 

and expenses, xxxvi 

Massachusetts Joint-Stock Insurance Companies, .... xxxvii 

Table V. — Cash capital, risks, assets, liabilities, and surplus, . xxxvii 

Table VI. — Risks written, premiums received, and losses paid, . xxxvii 
Table VII. — Gross cash income and expenditures, expenses, and 

dividends, xxxix 

Insurance Companies of other States, xl 

Table VIII. — Cash capital, risks, assets, liabilities, and surplus, . xl 

Table IX. — Risks written, premiums received, and losses paid, . xlvi 
Table X. — Gross cash income and expenditures, expenses and 

dividends lii 

Table XI. — United States Branches, showing deposits, etc., . . lviii 

Table XII. — United States Branches, business of 1883, ... lx 

Massachusetts Business in Detail. — Table XIII, lxii 

Statistics of Fires in Massachusetts lxvii 

Table XIV. — Property, Fires, Insurance, Loss, etc., .... lxviii 

Table XV. — Fires classified by Months, lxxiv 

Table XVI. — Causes of Fires, . lxxix 

Table XVII. — Summary, lxxxiii 

Table XVIII. — Receipts and Expenditures of the Insurance De- 
partment, lxxxiii 

DETAILED STATEMENTS. 

Massachusetts Mutual Fire Companies, ..*...... 1 

Massachusetts Mutual Marine Companies, 75 

Massachusetts Joint-Stock Fire, Marine, and Fire-Marine Companies, . . 83 

Fire, Marine, and Fire-Marine Insurance Companies of other States, . . 139 

United States Branches of Foreign Companies, 381 

Foi'eign Fire and Marine Companies, 431 

List of agents of insurance companies of other States and foreign countries, 

with amount of business done, and tax paid by each, 435 

Appendix, 547 



Commontoeciltl) of itlassculjusetts. 



Insurance Department, Boston, April 21, 1884. 
To the Honorable the Senate and House of Eepresentatives. 

Following the usage of late years and in advance of the 
Life and Casualty Insurance part, yet in preparation, I sub- 
mit so much of the Twenty-Ninth Annual Eeport of the 
Department as relates to Fire and Marine Insurance. 

Since the date of the last Annual Report fire companies 
have been admitted and withdrawn as follows : — 



Admitted. 



NAME OF COMPANY. 


Location. 


Date. 


Boatman's Fire and Marine 

Spring Garden, . 

Citizens' 

Buffalo, 

Irving, .... 

United Fire Re-insurance, 

Harnden Mutual, . 

People's 

United States Lloyds, . 






Pittsburgh, Pa , 
Philadelphia, Pa., . 
Pittsburgh, Pa , 
Buffalo, N. Y., 
New York, N Y., . 
Manchester, Eng., . 
Springfield, Mass., . 
Pittsburgh, Pa., 
New York, 


June 21, 1883. 
July 18, 1883. 
Aug. 7, 1883. 
Sept. 19, 1883. 
Oct. 27, 1883. 
Deo. 29, 1883. 
Jan. 2, 1884. 
Feb. 8, 1884. 
Feb. 21, 1884. 



Withdrawn. 



NAME OF COMPANY. 


Location. 


Date. 


Metropole, 

Reassurances Generales, 

Lorillard, 

Standard Fire Office, . 
Gloucester Fire, .... 
United States Lloyds . 


Paris, France, . 
Paris, France, . 
New York, 
London, Eng., 
Gloucester, Mass., . 
New York, 


May 30,1883. 
Oct. 6, 1883. 
Dec. 13, 1883. 
Dec. 26, 1883. 
Jan. 31, 1884. 
Feb. 13, 1884. 



vi REPORT OF THE 

The Gloucester Fire was organized in 1869, has faithfully 
met its obligations, and after an honorable career now retires 
honorably. It reinsured its fire risks in the Westchester 
Fire Insurance Company of New York, and its marine busi- 
ness in the Boylston Mutual of Boston, and its policy- 
holders are well secure. 

The United States Lloyds Association was absent only a 
few days in consequence of its omission to seasonably file 
its annual statement. The Irving returns from a brief 
absence. 

Of these, the seven foreign companies have been visited 
and examined by the department and their sworn statements 
verified. They are all financially sound and of approved 
reputation. 

The Hamden Mutual Fire, located at Springfield, or- 
ganized under the general law and starts with favorable 
auspices. 

The whole number of Marine, Fire, and Fire and Marine 
Companies now authorized is one hundred and ninety-one, 
as follows : 

Massachusetts Mutual Companies, . . 51 

Massachusetts Joint Stock Companies, 19 

Companies of other States, 93 

Companies of Foreign Countries, . . . . . . 28 

Total, . . . .191 

The legislature of 1872, convened in special session after 
the great Boston fire, enacted that "the capital stock of a 
joint stock company ... if insuring marine or inland risks, 
either alone or in conjunction with fire risks, shall not be 
less than $300,000 if the company is located in Boston ; " 
and, further, that " no insurance company or association of 
any other State or country shall be hereafter admitted to do 
business in this State, unless it has at least the amount of 
unimpaired capital stock or funds required of like corpora- 
tions or associations located in the city of Boston, and the 
provisions of this section relating to capital stock or funds, 
shall be applicable to all insurance corporations or associa- 
tions of any other State or country doing business in this 



INSURANCE COMMISSIONER. vii 

State after the first day of January, eighteen hundred and 
seventy-four." 

This law, by oversight, or what appears a mistaken con- 
struction as respects its application to foreign companies, was 
disregarded in the administration of the department, and I 
found upon investigation that some fifteen fire and marine 
companies of other States with a capital of less than 
$300,000 each, were transacting fire insurance in Massachu- 
setts by authority of the department. The opinion of the 
Attorney-General, which I requested, confirmed my own 
opinion that this was in contravention of the statute. But 
as all these companies were of excellent repute and of 
undoubted financial integrity, and had established their busi- 
ness with our public in good faith towards our laws, I was 
reluctant to summarily revoke their authority to their injury 
and the public inconvenience. The legislature being in 
regular session I therefore submitted the facts to its consid- 
eration. The result was the passage of the following Act : 

An Act in relation to Fire and Marine Insurance Companies. 
Be it enacted, etc , as follows : 

Section 1. Section twent} r -nine of chapter one hundred and 
nineteen of the Public Statutes is so far amended that insurance 
companies authorized by charter to do fire, marine and inland busi- 
ness, may continue to do such business with a capital of not less 
than two hundred thousand dollars, whether located in Boston or 
elsewhere, but all such companies of not more than two hundred 
thousand dollars capital shall, in making their returns to the insur- 
ance commissioner, compute their reinsurance upon all inland 
business at not less than fifty per cent, of outstanding premiums, 
and at one hundred per cent, on all ocean marine premiums ; and 
no such foreign insurance company shall be allowed to do other 
than a fire business in this Commonwealth, unless its capital stock 
shall be three hundred thousand dollars or more. 

Sect. 2. This act shall take effect upon its passage. 

The effect of this legislation is to authorize the continu- 
ance in business in this State of foreign fire and marine com- 
panies to do fire business only, with a capital of two hundred 
thousand dollars ; but such companies must maintain a larger 
reserve for the protection of their liability upon their marine 



via 



REPORT OF THE 



risks than is required of like companies with a capital of 
$300,000 or more. 

The Business of 1883. 

The regular tables, which appear as in former reports, in 
their accustomed places and form familiar to the insurance 
public, afford the usual information of the transactions and 
condition of the several companies for and at the close of 
1883. Digested from these, the comparative tables below 
exhibit the principal important facts as to the fire and 
marine insurance institutions which deal with our public. 

Comparative Table A. — Massachusetts Mutual Fire Insurance 

Companies. 





1882.* 


1883.* 


Increase or 
Decrease in 1883. 


Assets, including deposit 
notes, .... 


$19,737,353 


$21,568,724 


+$1,831,371 


Liabilities, 


3,005,668 


3,034,619 


+28,951 


Cash surplus, . 


3,845,890 


4,131,556 


+ 285,666 


Income, .... 


2,635,184 


2,878,511 


+243,327 


Expenditures, . 


2,285,248 


2,535,031 


+249,783 


Risks written, . 


231,371,625 


256,384,919 


+25,013,294 


Net premiums received, . 


2,286,990 


2,516,817 


+229,827 


Risks outstanding, . 


442,585,277 


467,149,924 


+24,564,647 


Losses paid, 


533,072 


851,750 


+318,678 

• 


Losses incurred, 


809,973 


744,306 


— 65,66,7 


Assessments collected, 


7,038 


2,319 


—4,719 


Profits returned, 


1 ; 328,733 


1,237,749 


—90,984 


Expenses, .... 


402,169 


420,119 


+17,950 



Forty seven companies. 



INSURANCE COMMISSIONER. 



IX 



Comparative Table B. — Massachusetts Mutual Marine Insur- 
ance Companies. 





1882.* 


1883.* 


Increase or 
Decrease in 1883. 


Assets, . 


$1,441,615 


$1,280,966 


—$160,649 


Liabilities, 


337,061 


267,641 


—69,420 


Surplus, . 


1,104,554 


1,013,325 


—91,229 


Income, . 


481,222 


489,868 


+8,646 


Expenditures, 


552,609 


664,835 


+112,226 


Risks written, . 


29,493,075 


27,366,347 


—2,126,728 


Net premiums received, . 


436,206 


445,980 


+9,774 


Losses paid, » 


338,427 


441,913 


+103,486 


Losses incurred, 


353,231 


392,486 


+39,255 


Risks outstanding, . 


9,940,052 


9,336,930 


—603,122 


Expenses, .... 


80,359 


76,057 


—4,302 


Scrip dividends declared, . 


105,210 


89,300 


—15,910 


Scrip redeemed, 


95,170 


99,160 


+3,990 


Scrip outstanding, 


809,845 


799,982 


—9,863 



* Two companies. 



Comparative Table C. — Massachusetts Joint-Stock Insurance 

Companies. 





1882.* 


1883.f 


Increase or 
Decrease in 18S3. 


Cash capital, 

Assets, .... 

Liabilities, 

Surplus, .... 

Income, .... 

Expenditures, . 


$6,757,200 
13,486,330 
4,090,570 
9,395,760 
6,259,771 
6,263,702 


$7,369,200 
14,556,618 
4,645,481 
9,911,137 
7,136,093 
7,034,326 


+$612,000 
+1,070,288 
+554,911 
+515,377 
+876,322 
+770,624 



* Nineteen compuniefe. 



t Twenty companies. 



REPORT OF THE 



Comparative Table C. — Concluded. 



1882.* 



1883-t 



Increase or 
Decrease in 18S3. 



Fire risks written, 

Fire premiums received 
(net), . 

Marine risks written, 

Marine premiums received 
(net), . . 

Fire losses paid, 

Marine losses paid, . 

Fire losses incurred, . 

Marine losses incurred, 

Fire risks outstanding, 



Marine risks outstanding 



Expenses, . 

Cash dividends declared, 



$379,071,971 

3,316,660 
206,129,346 

2,362,593 

2,223,318 

1,887,828 

2,272,565 

1,932,875 

403,211,354 

27,805,716 

1,675,430 

481,000 



$168,551,307 

4,223,784 
186,035,040 

2,317,357 

2,593,112 

2,021,839 

2,728,280 

2,232,508 

482,085,138 

27,702,155 

1,903,052 

508,432 



-{-$89,479,336 

■4-907,124 

—20,094,306 

—45,236 
+369,794 
-(-234,011 
4-455,715 
-f-299,6,3 
4-78,873,784 
—103,561 
4-227,622 

-j-27,432 



* Nineteen companies. 



| Twenty companies. 



Comparative Table D. — Fire and Marine Insurance Companies 

of other States. 





1882.* 


1883.f 


Increase or 
Decrease in 1883. 


Cash capital, 


$44,036,100 


$45,786,100 


-{-$1,750,000 


Assets, .... 


127,742,216 


134,097,223 


-j-6,355,007 


Liabilities,. 


40,371,061 


45,199,840 


4-4,828,779 


Surplus, .... 


87,371,155 


88,897,383 


4-1,526,228 


Income, .... 


53,930,318 


59,322,620 


4-5,392,302 


Expenditures, . 


52,062,525 


56,613,983 


4-4,551,458 


Fire risks written, 


4,690,402,970 


5,198,387,386 


4-507,984,416 


Fire prem's received (net), 


38,011,136 


43,330,198 


4-5,319,062 



* Eighty-nine companies. 



j Ninety-two companies. 



INSURANCE COMMISSIONER. 



XI 



Comparative Table D. — Concluded. 





1882.* 


1883.f 


Increase or 
Decrease in 1883. 


Marine risks written, 

Marine premiums received 
(net), . . . 

Fire losses paid, 

Marine losses paid, . 

Fire losses incurred, . 

Marine losses incurred, . 

Fire risks outstanding, 

Marine risks outstanding, 

Expenses, .... 

Cash dividends declared, . 


$1,493,244,223 

10,061,941 

22,264,795 

6,050,419 

22,744,104 

6,587,115 

5,075,168,140 

199,402,290 

15,606,273 

5,229,049 


$1,571,782,468 

9,990,144 

24,862,518 

6,302,187 

25,417,550 

P,576,426 

5,604,479,405 

193,928,926 

17,401,687 

5,439,548 


+$78,538,245 

—71,797 

+2,597,723 

+251,768 

+2,673,446 

—10,689 

+529,311,265 

—5,473,364 

+1,795,414 

+210,499 



* Eighty-nine companies. 



f Ninety-two companies. 



Comparative Table E. — United States Brandies of Foreign 

Companies. 





1882.* 


1883-t 


Increase or 
Decrease in 1883. 


Assets in United States, . 


$32,744,676 


$33,962,197 


+$1,217,521 


Liabilities in United States, 


16,777,694 


18,432,504 


+1,654,810 


Surplus, .... 


15,966,982 


15,529,693 


—437,289 


Income, .... 


25,782,068 


27,723,786 


+1,941,718 


Expenditures, . 


22,978,035 


25,108,838 


+2,130,803 


Fire risks written, . 


3,257,872,352 


3,271,037,423 


+13,165,071 


Fire prenVs received (net), 


23,556,544 


25,027,650 


+1,471,106 


Marine risks written, 


167,164,353* 


228,877,466 


+61,713,113 


Marine premiums received 








(net), .... 


1,079,992 


1,375,181 


+295,189 


Fire losses paid, 


15,114,687 


16,233,028 


+1,118,341 



* Thirty companies. 



t Twenty-eight companies. 



Xll 



REPORT OF THE 



Comparative Table E. — Concluded. 





1882.* 


1883.t 


Increase or 

Decrease In 1883. 


Marine losses paid, . 


$229,829 


$615,712 


+$385,883 


Fire losses incurred, 


15,114,687 


16,556,509 


+1,441,822 


Marine losses incurred, . 


229,829 


602,578 


+372,749 


Fire risks outstanding, 


2,825,844,807 


2,997,550,462 


+171,705,655 


Marine risks outstanding, 


19,501,868 


25,338,211 


+5,836,343 


Expenses, .... 


7,633,519 


8,260,101 


+626,582 



* Thirty companies. f Twenty-eight companies. 

Aggregates of all the Companies. 





1882. 


1883. 


Increase or 
Decrease in 1883. 


Cash capital, 


$50,793,300 


$53,155,300 


+$2,362,000 


Assets, including deposit 








notes of Mut. Cos., 


195,152,190 


205,465,728 


+10,313,538 


Liabilities, 


64,582,054 


71,580,085 


+6,998,031 


Surplus, .... 


117,684,341 


119,483,094 


+1,798,753 


Income, .... 


89,088,563 


97,550,878 


+8,462,315 


Expenditures, . 


84,142,119 


91,957,013 


+7,814,894 


Fire risks written, . 


8,558,718,918 


9,194,361,035 


+635,642,117 


Fire premiums received 






- 


(net), .... 


67,171,330 


75,098,449 


+7,927,119 


Marine risks written, 


1,896,030,997 


2,014,061,321 


+118,030,324 


Marine premiums received 








(net), .... 


13,940,732 


14,128,662 


+187,930 


Fire losses paid, 


40,135,872 


44,540,408 


+4,404,536 


Marine losses paid, . 


8,506,503 


9,381,651 


+875,148 


Fire losses incurred, 


40,941,329 


45,446,645 


+4,505,316 


Marine losses incurred, . 


9,103,050 


9,803,998 


+700,948 


Fire risks outstanding, 


8,746,809,578 


9,551,264,929 


+804,455,351 



INSURANCE COMMISSIONER. 



xiu 



Aggregates of all the Companies. 





1883. 


1883. 


Increase or 
Decrease in 1883. 


Marine risks outstanding, 


$256,649,926 


$256,306,222 


—$343,704 


Expenses, .... 


25,397,750 


28,061,016 


-j-2,663,266 


Cash dividends declared, . 


5,710,049 


5,947,980 


+237,931 



Comparative Table F. — Massachusetts Business.* 





1882. 


1883. 


Increase or 
Decrease in 1883. 


Fire risks written, 


$686,030,272 


$710,197,514 


+$24,167,242 


Fire premiums received, . 


6,244,053 


6,896,367 


+652,314 


Fire losses paid, 


4,480,797 


3,446,076 


—1,034,721 


Fire losses incurred, . 


4,915,949 


3,763,949 


—1,152,000 


Marine risks written, 


269,705,834 


275,286,535 


+5,580,701 


Marine premiums received, 


3,254,537 


3,327,862 


+73,325 


Marine losses paid, . 


2,170,139 


2,409,176 


+239,037 


Marine losses incurred, . 


2,166,996 


2,464,783 


+297,787 



* For details of this business see Table XIII. 



Comparative Ratios of Table F. 





1882. 


1883. 


Percentage 

of Increase 

or Decrease 

in 1883. 


Fire premiums received to risks written, 


.91 


.97 


+6.59 


Fire losses incurred to risks written, . 


.72 


.69 


—4.17 


Fire losses incurred to premiums received, 


78.73 


54.58 


—30.67 


Marine premiums received to risks written, 


1.21 


1.21 


- 


Marine losses incurred to risks written, 


.80 


.90 


+12.50 


Marine losses incurred to prem's received, 


66.57 


74.07 


+11.27 



XIV 



EEPORT OF THE 



These statistics show no change of marked significance in 
the general condition. The fire business reports an improve- 
ment and the marine branch a loss over last year. In the 
aggregate, the fire companies, both stock and mutual, have 
increased their surplus and have suffered a less ratio of loss 
to premium income. Whether stockholders have reason to 
be wholly satisfied with the profits realized upon their 
hazardous investments, or the assured with the cost of their 
insurance, the public certainly may feel secure in the finan- 
cial stability of the institutions they rely upon for indemnity 
in the event of damage to their property on land or sea. 
The decrease from 1882 in the total of fire losses in Massa- 
chusetts incurred in 1883, is unhappily robbed of its appar- 
ent good omen by the consideration that the losses of the 
former year were exceptionally large by reason of the 
Haverhill fire with its destruction of property covered by 
insurance to the amount of nearly $1,500,000. As com- 
pared with 1881, the fire losses incurred in Massachusetts in 
1883 were nearly $900,000 larger, and larger than in any 
year (save 1882) since 1872. No inference thence would 
be just which omitted to consider the increase in amount 
of insurance written, which in 1883 was $710,197,514 as 
against $642,542,633 in 1881. 

For each year of the decade, the fire insurance losses in 
this State, and amounts written, were : — 





Losses. 


Insurance. 




Losses. 


Insurance. 


1874, . 


$3,676,063 


$655,056,069 


1879, . 


$2,500,451 


$520,814,369 


1875, . 


3,221,943 


597,478,409 


1880, . 


3,055,272 


609,132,542 


1876, . 


2,738,180 


528,211,058 


1881, . 


2,884,047 


642,542,633 


1877, . 


2,572,185 


585,928,271 


1882, . 


4,915,949 


686,030,272 


1878, . 


2,438,121 


558,019,711 


1883, . 


3,763,949 


710,197,514 



Department Examinations of Companies. 
Besides the companies of other States, hereinbefore re- 
ferred to, visited and examined upon their application to be 



INSURANCE COMMISSIONER. 



xv 



admitted to do business in this State, the department has 
visited and examined since last report eighteen domestic 
companies, and the United States branches of fifteen compa- 
nies of foreign countries, to wit : — 



Massachusetts Companies. 



Name of Company. 


Location. 


Date of Examina- 
tion. 


Mutual Boiler, .... 


Boston, . 






June 15, 1883 


Boylston Mutual, 


cc 






" 21-22, " 


Cambridge Mutual Fire, 


Cambridge, 






29, " 


Berkshire " " . 


Pittsfield, 






July 26, " 


Dwelling House, .... 


Boston, . 








Sept. 1, " 


Washington Fire and Marine, 


tc 








Oct. 10, " 


India Mutual (Marine), 


u 








Jan. 16, 1884 


Dorchester Mutual Fire, 


a 








u u 


Mercantile Fire and Marine, 


a 








15, " 


American Insurance Co., . 


a 








16, " 


North American Insurance Co. . 


it 








17, « 


Eliot " " . 


u 








18, " 


Merchants' " " . 


u 








19, " 


Prescott " " 


a 








21, " 


Neptune " " 


it 








28, " 


Boston Marine " " 


u 








Feb. 7, " 


China Mutual (Marine), " 


(t 








11, " 


First National Fire, 


Worcester, 






March 14, " 



The general conduct and condition of all these were found 
satisfactory, and their financial statements correct. By 
reason of unusual recent losses, the First National Fire of 
Worcester suffered an impairment of its capital to the extent 
of $14,000 at the close of 1883, but the company has voted 
to make its capital good to the full amount. 



XVI 



REPORT OF THE 



Companies of Foreign Countries. 



NAME. 



Home Office. 



Date of Examina- 
tion. 



La Metropole, 

City of London, . 

Lion Fire, .... 
Scottish Union and National, 
British and Foreign Marine, 
Union Marine, 
Imperial Fire, 
British America, . 
Western Assurance, 
Lancashire, . 
London and Provincial, 
Guardian Fire and Life, 
United Fire Reinsurance, 
North British and Mercantile, 
Commercial Union, 



Paris, France, . 

London, Eng , 

k it 

Edinburgh, Scot., 
Liverpool, Eng., 

H It 

London, " 

Toronto, Canada, 

tt tt 

Manchester, " 

London, " 
tt tt 

Manchester, " 
London and Edinb., 
London, Eng., 



Julv 3 to Sept. 
5, 1883. 

September and 
October, 1883 

December, " 



January, 1884 



February, " 

tt tt 

April, 



The exceptions found to the generally satisfactory conduct 
and condition of these companies were in the cases of La 
Metropole and the City of London. At the date of examina- 
tion La Metropole had ceased to do business in Massachu- 
setts, preparatory to withdrawal from the country, and the 
examination was made in consequence of its application for 
leave to reduce and withdraw a portion of its assets held in 
trust for the protection of its American policy holders. In 
the examination it appeared that it had effected illegal rein- 
surances and made false statements to the department, and 
the conduct of its affairs had not been in accordance with 
sound business methods. Similar delinquencies were dis- 
closed in the affairs of the City of London. Of this latter 



INSURANCE COMMISSIONER. xvii 

company, I am gratified to be able to state that it has 
reformed the faults in its management and is, I am fully 
assured, of ample financial responsibility, and should not be 
prejudiced in public confidence by errors of its past adminis- 
tration. 

By request of its president, the Irving Insurance Company 
of New York was examined in February last, and its annual 
statement, as well as the integrity of its business manage- 
ment, verified. 

By the examination of the Commercial Union, it appeared 
that the company's annual statement underrated its surplus 
by $58,787.91, — an error on the safe side. 

Mr. Noah A. Plympton and Mr. Albert G. Milton have 
been employed in the examinations of foreign companies, 
and their duties have been performed with intelligence and 
thoroughness. 

Annual Statements. New Legislation. 

As stated, the examinations disclosed in the case of two 
foreign fire companies that false annual statements had been 
made "wilfully," in the sense of knowingly and in neglect 
of the obligations of the law, though, I am glad to believe, 
not with corrupt motive. Also, that^these companies had 
effected reinsurances in violation of the statute. For public 
example, the penalties for these offences were enforced 
against these companies upon proceedings instituted by the 
Attorney-General, and the sum of two thousand dollars 
recovered to the use of the Commonwealth. 

In other instances, it was shown upon examination that 
the annual returns, though not materially false, were imper- 
fect as exact statements, in that the business for the month 
of December was estimated from incomplete data, and the 
returns from associate agencies were not duly attested. The 
excuse offered was the alleged impracticability of obtaining 
from distant agencies accurate and complete reports of the 
business for the final month of the year by the 15th of Janu- 
ary, the limit fixed by law within which the statements must 
be filed. In order that the statements may be verified in all 
parts, since they should be what they purport to the public 
to be, full and true exhibits of the condition of the compa- 



xviii REPORT OF THE 

nies, and yet not to subject the companies to impossible or 
unreasonable requisitions, I recommended to the legislature 
that the Commissioner be empowered, if cause be made to 
appear, to extend the period within which a company may 
file its statement to not later than Feb. 15. Should the 
legislature so enact, the law will be executed in letter and 
spirit. Companies that reasonably can, must, as hitherto, 
file their statements as early as Jan. 15, or become liable to 
the legal penalties for neglect. The privilege of a later date 
will be conceded only upon application made before the 
company is in default, and for reasons that justly claim the 
indulgence. The department will wait upon the necessities, 
but not the mere convenience of the companies. 

With the exceptions alluded to, the statements of the com- 
panies examined by the department appear to have been made 
up with integrity and a scrupulous attention to exactness. 

By the law as re-enacted in the Public Statutes, the com- 
panies of foreign countries were required to make annual 
statements from their home offices of their condition and 
affairs in addition to statements of the business and finances 
of their United States branches. The legislature at its 
recent session has modified the law as follows : — 

[Chap. 58.] 

An Act in relation to statements made by Foreign Fire Insurance 
Companies to the Insurance Commissioner. 

Be it enacted, etc., as follows: 

Sect. 1. Any foreign fire insurance compan}^ doing business 
within this Commonwealth may at its option include in its state- 
ments to the insurance commissioner its foreign business and 
assets, but shall be required to return only the business done in the 
United States, and the assets held by or for it within the United 
States for the protection of policy holders therein. 

Sect. 2. A company which does not make a return to the 
insurance commissioner of its foreign business and assets shall not 
make any publication, announcement or advertisement of the same 
within this Commonwealth. 

Sect. 3. It shall be the duty of the insurance commissioner to 
revoke the certificate of authority to do business in this Common- 
wealth granted in behalf of any company violating the provisions 
of the second section of this act. [Approved March 6>, 1884. 



INSURANCE COMMISSIONER. xix 

As this modification, by allowing the companies to make 
these statements or not as they may elect, assumes the 
public unimportance of the statements, it would seem the 
legislature might logically and well have repealed the pro- 
vision of law altogether, as New York has done. 

Receiverships, — their Present Condition. 

The affairs of the Howard Fire Insurance Company and 
the Manufacturers' Insurance Company, both of Boston, are 
finally closed and the receivers discharged. 

In the cases of the Washington and Franklin, final ac- 
counts have been filed and allowed by the court. 

My information is tjiat all claims against the Conway 
Mutual Fire have been settled, and the final report is prom- 
ised for an early date. 

The balance of claims yet unpaid by the New England 
Mutual Marine amount to $1,193.62. The receivers expect 
to complete their trust within the current year. 

No change has taken place, since last report, in the judicial 
condition of the Neptune. The amount of funds in the 
hands of its receivers is $10,378.04, and there appears no 
reason for further delay in the distribution of the funds and 
the settlement of the company's affairs. 

The City Mutual Fire of Boston suspended business April 
17, 1878, but defaulted in none of its obligations. On June 
26, 1883, the Supreme Court appointed Robert G. Molineux, 
receiver, upon petition in equity by a policy holder for a 
distribution of the company's surplus funds. The funds 
amount to $12,377.51, which the receiver holds pending a 
decree of distribution by the court. The case was sent to 
a Master, February 4, to report the facts, and upon the 
Master's report the decree will probably be made. Some 
questions of law, of interest, may arise for the decision of 
the court as to the rules that should govern the distribution. 

Fires and their Prevention. 
By an act of the Legislature of 1878, re-enacted in chap- 
ter 35, sections ten and eleven of the Public Statutes, the 
mayor and aldermen and selectmen are required annually in 
January to make return to the insurance commissioner of 



xx EEPORT OF THE 

the number of fires which have occurred in their respective 
cities and towns during the preceding year, with the names 
of the owners or occupants of the premises, the cause or 
origin of the fire, if known, and the amount of loss or 
damage and of insurance ; and the Commissioner is com- 
manded to include in his annual report a condensed state- 
ment of statistics derived therefrom. This condensed state- 
ment for 1883 will be found in the appended tables. From 
it it appears that the number of fires — exclusive of 99 
forest fires, a class not reported in former years — was 
2,134 as against 1,758 in 1882, while the damage was 
$4,686,759 and the insurance paid $3,093,971, as against 
$4,789,906 damage and $3,688,780 insurance in the previ- 
ous year. Of the causes of fires, the principal classifica- 
tions are: unknown, 435; incendiarism, 291; exposure, 
462 ; defective chimneys, 176 ; kerosene lamps or stoves, 
102 ; spontaneous combustion, 63. 

I have, in a former communication to the Legislature, 
invited attention to the inadequate provision for the collec- 
tion and authentication of these statistics, and their conse- 
quent imperfect value. The reported facts are not sufficiently 
verified by competent investigation. The information sought 
and the object to be attained are of such value, in my esti- 
mation, as to justify an official inquest and report upon the 
circumstances of every fire. Such a system, conducted with 
vigilance, would aid the detection and prevention of incen- 
diarism, which prevails to an extent that should excite public 
alarm, and quite disproportionate to the prevalence of that 
crime as indicated by the records of our criminal courts, if 
these statistics are in any respectable degree reliable. It 
would exhibit and enforce attention to the conditions which 
expose property to fire perils, and thence stimulate and 
enlighten efforts by private prudence and public authority to 
secure the observance of conditions of safety. 

This matter concerns the whole public — the common wel- 
fare. Not the underwriters, nor the individual holders of 
property are alone sufferers by the destruction of useful 
wealth. By the beneficent helpfulness of insurance the 
burden of injury may be lightened to the individual owner, 
but it cannot restore to human uses the valuable product of 



INSURANCE COMMISSIONER. xxi 

man's labor and skill ; and by the amount of such destruction 
the community is impoverished. The hundred millions of 
dollars paid annually by the people of the United States for 
property insurance is essentially a tax, taken from the fruits 
of their industry ; and whatever reduces the hazard insured 
against, to that extent reduces taxation. 

Legislation seems to have gone nearly or quite as far as it 
usefully can go in the direction of the regulation of the 
business of fire insurance. For the rest, chiefly, dependence 
must be put upon the prudence and sagacity of the experi- 
enced men of affairs in charge of our insurance institutions, 
rather than in arbitrary provisions of law. But in the field 
suggested the function of the State has not exhausted its 
usefulness. 

The commercial value of the system of insurance in the 
item of the preservation of property through the compulsion 
of prudential measures for its protection, is hardly capable 
of over-estimation. The enterprise of the underwriters in 
their insistance upon cond itions of safety which lessen the 
hazard may have its impulse in a selfish motive, but the 
result is public good, and public spirit represented by the 
State, should co-operate with private aims in such an enter- 
prise. 

Insurance should mean indemnity for loss from misfortune 
not immunity from consequences of crime or reckless fault ; 
and the compact to indemnify creates on the part of the 
insured a moral obligation which should be a legal one. If 
the insured w T ilfully burns his property he is not entitled, 
morally or legally, to recover his insurance. Why should 
he if it burn through his positive fault or careless omission 
to reasonably provide for its safety ? Why should not the 
law void the insurance when the loss is due to the owner's 
negligent act? Such a provision would be within the just 
rule of the common law that a man shall so use his own as 
not to injure another ; and it accords with social equity and 
the nature of the insurance contract that the insured should 
be bound to a reasonable diligence in the protection of the 
property in his control. There would be no danger of the 
too rigorous enforcement of such a law, as juries could be 
trusted not to find the fact of negligence unless clearly 



xxii REPORT OF THE 

proven. While just in itself it would also consult public 
policy, which desires the conservation of useful wealth ; by 
the inducement of self-interest it would offer to owners to 
exercise a greater care for the safety of their property, than 
though, regardless of their conduct in relation to it, their 
indemnity was sure in case of loss. 

The statistics show a large proportion of fires preventible 
by common prudence. More than one-tenth of the fires in 
Massachusetts, year by year, originate in defective chimneys 
alone. And, doubtless, a proper investigation would trace 
the cause of a large fraction of the rest to some vice in 
design or construction. Why should not the owner or 
insurer have an action for damages where the loss is caused 
by a defect attributable to the neglect of an architect, builder 
or other person? If a mechanic, who holds himself out as 
competent in his trade, so negligently constructs a building 
that it takes fire and is destroyed from that cause, he should 
be answerable. And so of the architect, whose assumed 
skill and knowledge are relied on to design a structure in 
accordance with reasonable conditions of safety. Admon- 
ished by knowledge of such liability, we might fairly 
anticipate a larger degree of diligence and fidelity in their 
employment on the part of architects, builders and others 
responsible for the construction of buildings exposed to 
perils by fire. 

These remarks are designed as suggestive only, and not as 
mature opinion as to specific measures of legislation. They 
may serve to indicate the domain in which civil and munici- 
pal regulation and authority can usefully act. Of the juris- 
diction of government, regardful of the common weal, for 
the protection of property and life, to regulate the construc- 
tion and use and inspection of buildings, with reference to 
health and safety, there can be no controversy. The legis- 
lature has asserted it in frequent statutes. It remains to 
consider how far it is wise to enforce the jurisdiction, and 
what measures may be adopted conservative of the public 
good in that department of legislation and civil superin- 
tendence. 



INSURANCE COMMISSIONER. xxiii 

Cost of Insurance. — How to Reduce It. 

What may fitly be termed the natural cost of fire insur- 
ance is the amount required to pay the losses. The other 
element of cost is the expense of maintenance of our insur- 
ance establishments and — if on the stock plan — dividends 
on their capital. And from the public standpoint the prob- 
lem is : (1), to lessen the natural cost by the prevention of 
casualties (of which I have spoken) ; and (2), to keep the 
expense cost to the possible minimum consistent with 
efficiency. 

Fire underwriters complain that of late years, since the 
brief period of admitted prosperity which followed the 
Boston conflagration, the business has not been prosperous 
and the profits not satisfactory, and they urge an increase of 
rates. It is true that premium rates have declined, and 
sometimes perhaps unduly from reckless competition, and 
that the ratio of losses to premium income during the last 
semi-decade has been greater than in the like period imme- 
diately preceding. But that the logic of the situation leads 
necessarily to an advance of rates is not so easily demon- 
strable. It may rather be that we approach a condition 
wherein it is practicable to reduce the cost of insurance by 
the establishment of the business on a less expensive basis. 

Some facts gathered from experience may furnish instruc- 
tive material for the discussion. 

The tables which follow exhibit the financial results of the 
last ten years' experience of the joint stock fire companies, 
domestic and foreign, authorized in Massachusetts in that 
period : — 



XXIV 



REPORT OF THE 



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xxvi REPORT OF THE 

These statistics embrace the whole business of these com- 
panies. 

The public paid $257,616,767 to indemnify losses of the 
amount of $137,216,816; 4 6 T 8 ^ per cent, of the whole cost 
of insurance, or $120,399,951, went for the support of the 
insurance establishments. 

The stockholders of the companies of other States have 
realized upon their investments in this time an average 
annual dividend of 12.33 per cent., and the stockholders in 
Massachusetts companies 7.38 per cent. As insurance capi- 
tal is exposed to special hazards, no one should be envious 
if, by good fortune, it wins liberal rewards upon its venture. 
The profits of the foreign companies have not been so great 
as to justify popular jealousy, nor have the profits of the 
home companies been so small as to challenge public sym- 
pathy. The dividends are not altogether made from the 
business profits. A large fraction is contributed by the in- 
come of the invested capital. 

Other companies, which have thriven less well, have gone 
out, and, were they embraced in the above computation, 
might qualify somewhat the aggregate result. But that fact 
does not seriously affect the value of the inference fairly 
drawn from the tabular exhibit, since what we seek to learn 
is the capability of the business when managed with skill 
and prudence. 

For the same period the companies of foreign countries 
have collected in premiums $137,646,122, and paid out for 
losses $77,208,217. 

From a compilation published in the last report of the 
New York department it is shown that from the date of their 
respective organization the joint stock fire and fire-marine 
companies of that State have collected in premiums the sum 
of $376,993,647, and have disbursed for losses $194,169,939, 
or 51.5 per cent, for losses, and 48.5 per cent, for expenses 
and profits in the form of dividends or present surplus. 
Similar compilations in the same report show that the ratio 
of losses to premiums in companies of other States has been 
61.3 per cent., and in the United States business of compa- 
nies of foreign countries 59.2 per cent. 

For the purpose of this discussion it is sufficiently exact to 



INSURANCE COMMISSIONER. xxvii 

say, in general, that, under the existing mode, 40 and more 
per cent, of the premium cost of fire insurance is absorbed 
in the expense of carrying on the machinery of the business. 
And yet the claim of the underwriters is that, with this 
margin for expense and profit, the business is not profitably 
done. It is not singular that people should marvel and ask 
if so great expense is inevitable. 

A large part of the premiums go for commissions and 
brokerage to a species of middlemen in the traffic. The 
public of the country is taxed millions annually, — perhaps 
twenty or more millions of dollars, I attempt no nice esti- 
mate, but certainly a vast sum, equal probably to the cost of 
the military establishment of the United States, — for the 
maintenance of a numerous body of agents and brokers 
whose services should be superfluous. Of course I do not 
include the agents employed in agencies reasonably de- 
manded for the popular accommodation. The question I 
propose is, whether these (except as noted) are not a dis- 
pensable as well as expensive part of the machine, and 
whether the system is not capable of such revision as shall 
save the people the cost of their employment and charges. 
It is the people who pay. What is saved by avoidance of 
needless expense is saved to the public. There are upwards 
of eight hundred brokers licensed in Massachusetts besides 
the authorized agents of the companies, and their compensa- 
tion is got from commissions upon insurance business they 
solicit and sell to the companies. Why should not the peo- 
ple deal directly with the representatives of the companies, 
and avoid the charges of these intervenors which are in addi- 
tion to the proper expense of inspection of the risk and 
execution of the policy contract? 

Persons with intelligence and prudence to acquire insur- 
able property liable to injury from the familiar perils that 
menace it, have sufficient forethought to know the need and 
to provide the protection which insurance affords. Why 
should they not go to the office of the underwriter and 
negotiate the insurance they want, as they go to the store of 
the trader to buy his merchandise ? On such a basis the 
broker would cease to be the burden he now is, and the 
expenses of the business might be confined to its legitimate 



xxviii REPORT OF THE 

needs. To say that the companies are obliged to resort to 
such methods of competition to get business, is to affirm 
that the business is overdone, which is not the fact, or, if it 
were, the fact would indicate the natural remedy that com- 
panies which are unable to obtain patronage upon their 
merits should retire, and so the supply adjust itself to the 
demand. The right of a company to exist depends upon 
the commercial need of its existence. The provision made 
by law, through official supervision, to verify and conserve 
the financial character of insurance associations, and the 
ordinary methods by which their merits are urged upon pub- 
lic attention should suffice to win the confidence and patron- 
age they deserve. 

In these reflections I do not assume the part of instructor 
or censor. The facts and considerations are submitted as 
worthy the deliberation of the intelligent public and of the 
practical men of affairs who conduct our institutions of in- 
surance. Sooner or later the matter is sure to be the subject 
of popular agitation, and it must be frankly met and dealt 
with. Its solution asks the concurrence of the body of fair- 
minded underwriters with a just public opinion. 

Tariff associations of underwriters are active in localities 
to establish uniform rates and classify hazards in relative 
proportions. Done fairly and with just discrimination this 
work is commendable. It may reform certain evils that 
arise from competition, and apportion more equitably the 
common burden of insurance. The public, equally with the 
underwriters, are concerned that rates be adequate to assure 
the ability of the companies to perform their obligations. 
Even more. For while the failure of a company involves a 
loss to its stockholders of what is ordinarily but a small part 
of their estates, it may occasion serious loss and often finan- 
cial ruin to the policy holder, who, in consequence, is unable 
to recover his indemnity. But the public have a right to 
insist that, in the absence thus enforced of competition 
(which sometimes operates as a corrective of extortionate 
charges), the rates be fixed no higher than is needed to pro- 
vide a fund equal to the payment of anticipated losses, 
liberally estimated, and proper expenses and reasonable 
profits. I doubt if a basis of 50 per cent, for losses, and 50 



INSURANCE COMMISSIONER. xxix 

per cent, for expenses and profits, will prove acceptable to 
the public without clearer demonstration of its propriety. 

Companies are entitled, and nowhere more than in the 
official exhibits which are designed for the information of 
the people, to the credit justly their due for economy in 
their affairs ; and, if a company is found imprudent in its 
administration, it cannot complain if thereby it is prejudiced 
in public favor. The prepared tables show the expense 
ratios of the several companies. But, in deductions there- 
from, regard should be had to the different conditions of 
each, since the nature and character of the business of some 
of the companies necessarily call for a larger relative cost as 
compared with other companies of no superior integrity and 
prudence. Intelligent critics will readily discriminate and 
reach just conclusions. 

The Massachusetts Manufacturers' Mutuals, which insure 
only manufacturing property, are made a group by them- 
selves in the tabulations. Their plan of business is a model. 
They do not tax their policy holders for brokers' charges 
and commissions, but deal direct with their customers. The 
other virtues of their policy consist in the enforcement of 
wholesome conditions in their contracts. They insist that 
the property proposed for insurance shall be in reasonably 
safe condition, such as may fairly be demanded of the owner, 
and then offer lower rates in consideration that the owner 
shall make improvements and adopt expedients whereby the 
hazard is made less. This serves the public's interest, 
while it promotes their own success. The adoption of a like 
enlightened policy by underwriters generally would do much 
to reduce both the natural and incidental cost of insurance. 

I acknowledge with grateful appreciation, and as simple 
justice to faithful service, the very capable and conscientious 
manner in which Deputy Commissioner William S. Smith 
and Chief Clerk Fred. L. Cutting have performed their 
responsible duties in the administration of the department. 

Respectfully submitted, 

JOHN K. TARBOX, 

Insurance Commissioner. 



STATISTICAL TABULATIONS. 



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lxii 



REPORT OF THE 



Table XIII. — Massachusetts Business for 1883. 
Massachusetts Mutual Fire Companies. 



oy 



NAME of company. 


Risks Written. 


Premiums 
Received. 


Premium 
Notes rec'd. 


Losses 
Paid. 


Losses 
Incurred. 


Abington, 

Annisquam, .... 

Arkwright 

Ashfield 

Attleborough, .... 


$897,858 

67,350 

16,461,827 

27,798 

287,270 


$13,606 

136,688 

135 

. 1,825 


$40,819 
4,890 

683,441 

882 

7,639 


$6,867 

69,419 

4,645 


$5,420 

52,296 

4,645 


Barnstable County, . 
Berkshire, .... 
Boston Manufacturers', . 
Bristol County, 
Cambridge 


1,064,724 

1,111,350 

30,526,707 

461,650 

1,610,568 


18,044 

14,657 

247,904 

2,969 

20,615 


52,885 
43,970 
1,239,521 
58,916 
41,229 


2,000 
4,176 
35,970 
1,273 
3,271 


2,000 
7,421 
96,789 
1,273 
3,271 


Citizens' 

Cohasset 

Cotton and Woolen, 

Dedham, 

Dorchester 


5,993,045 

75,162 

2,073,432 

747,191 

2,881,542 


75,651 
1,175 

22,121 
9,543 

40,654 


156,797 
4,659 

110,603 
21,325 
40,654 


17,873 

105 

14,164 

3,699 

22,676 


17,826 

. 105 

395 

3,773 

26,041 


Essex, 

Fall River Manufacturers', 
Fitchburg, .... 

Franklin, 

Groveland, .... 


202,250 

6,935,321 

5,218,632 

306,439 

295,072 


3,703 
59,826 
78,952 

3,426 


11,075 
299,131 
78,952 
10,278 
19,001 


241 

46,270 

46,777 

3,923 

219 


241 

19,360 

49,765 

3,571 

219 


Hampshire, . . . 

Hingham, 

Holyoke, 

Lowell, 

Lynn, 


967,640 

3,243,613 

5,058,666 

877,710 

271,000 


11,851 

49,330 

67,966 

9,748 

3,655 


35,445 
48,397 
68,634 
19,496 
14,621 


5,930 
21,147 
26,066 

2,101 
150 


5,055 
21,142 
31,466 

2,101 
150 


Massachusetts, . . 
Merchants' and Farmers', 
Merrimack, .... 
Middlesex, .... 
Milford 


8,807,001 
3,058,460 
4,644,882 
5,383,585 
179,475 


55,751 
42,391 
60,493 
78,263 
1,865 


42,391 

124,538 

78,263 

6,595 


10,477 
19,975 
16,995 
20,053 
247 


10,477 
19,975 
16,709 
20,053 
247 


Mill Owners', .... 
Mutual Fire Assurance, . 
Mutual Protection, . 

Newbutyport 

Norfolk 


7,337,344 

1,055,025 

268,100 

95,575 

3,845,958 


64,979 

16,300 

2,196 

1,144 

52,768 


324,893 

32,601 

6,588 

9,155 

113,739 


35,847 

3,350 

77 

637 

14,052 


8,324 

3,350 

77 

137 

21,198 


Quincy, ' 

Salem, 

Salisbury and Amesbury, 

Saugus, 

Shelburne, .... 


6,650,889 

338,550 

32,250 

881,075 

6,200 


89,617 

4,490 

258 

25 


89,617 

13,435 

2,580 

107,971 

254 


49,286 

37 

11 

67 

b 


53,091 

37 

11 

67 

5 


South Danvers, 

Spinners' 

Traders' and Mechanics', 
Westford, . 
West Newbury, 


177,325 

1,988,133 

4,195,880 

80,235 

234,915 


3,830 

17,592 

59,425 

733 


11,490 
87,962 
59,425 
2,200 
14,095 


87 

2,126 

19,333 

15 

598 


87 

8,142 

19,133 

15 

598 


Worcester Manufacturers', . 
Worcester Mutual, . 


9,233,792 

8,280,978 


81,034 
119,509 


405,169 
119,509 


49,489 
32,300 


29,599 
31,538 


Totals, .... 


$154,439,444 


$1,646,707 


$4,764,730 


$614,026 


$597,195 



INSURANCE COMMISSIONER. 



lxiii 



Table XIII. — Massachusetts Business for 1883 — Continued. 
Massachusetts Mutual Marine Companies. 



NAME OF COMPANY. 



Risks 
Written. 



Premiums 
Received. 



Losses paid. 



Losses 
Incurred. 



China Mutual, 
India Mutual, 

Totals, 



$18,490,228 
4,858,299 



$335,288 
103,301 



$23,348,527 $438,589 



$279,331 
82,358 



$361,689 



$220,331 
87,358 



$307,689 



Massachusetts Joint-Stock Companies. 

Fire Business. 



American, .... 
Boylston, .... 
Dwelling House, . 

Eliot, 

Firemen's Fire, 

First National, 
Gloucester, .... 
Manufacturers' Fire and Marine, 
Mercantile Fire and Marine, 
Neptune, .... 



North American, . 
Prescott, . . . . . 
Shoe and Leather, . 
Springfield Fire and Marine, 
Washington, . . . 



Totals, 



$3,621,147 

17,266,944 

5,128,792 

2,033,705 

7,779,029 

3,992,054 
1,744,616 
15,977,042 
3,611,315 
7,366,464 

5,405,396 
4,973,674 
8,934,232 
10,783,073 
9,310,435 



$107,927,918 



$24,029 

126,373 

24,197 

22,427 

68,470 

48,616 
21,803 
157,056 
23,274 
96,232 

35,809 

48,569 

73,529 

116,299 

80,847 



$967,530 



$8,002 
67,035 
1,033 
11,599 
20,690 

23,538 
17,136 
59,966 
4,548 
48,140 

6,012 
25,334 
61,677 
70,210 
27,101 



$452,021 



$8,002 
67,180 
1,033 
22,999 
31,666 

32,987 
20,678 
76,569 
7,898 
62,140 

6,042 
30,997 
66,036 
72,596 
44,200 



$551,023 



Marine Business. 



American, 
Boston Marine, 
Boylston, 
Equitable Marine, 
Gloucester, 



Manufacturers' Fire and Marine, 
Mercantile Fire and Marine, 
Merchants', .... 
Neptune, .... 
Salem Marine, 

Shoe and Leather, . 
Washington, .... 
Wellfleet, .... 



Totals, 



$4,377,538 

37,387,575 

12,448,264 

427,978 

83,678 

8,372,750 
3,290,389 
671,745 
1,155,782 
2,831,235 

15,481,060 
8,508,391 
2,002,657 



$97,039,042 



$53,990 

841,647 

102,147 

20,261 

3,438 

82,537 
77,570 
20,044 
28,696 
47,277 

205,033 

176,851 

87,155 



$1,746,646 



$95,853 

558,185 

95,321 

10,423 

629 

38,472 
41,572 
6,005 
15,027 
41,406 

113,742 

148,580 

60,141 



$1,225,356 



$79,563 

634,900 

79,771 

14,423 

326 

35,722 
26,726 
7,433 
17,527 
53,406 

115,015 

160,410 

60,097 



$1,285,319 



Ixiv 



REPORT OF THE 



Table XIII. — Massachusetts Business for 1883 — Continued. 

Companies of Other States. 

Fire Business. 



NAME OF COMPANY. 



Kisks Written. 



Premiums 
Keceived. 



Losses Paid. 



Losses 
Incurred. 



./Etna, 
Albany, . 

American, Newark, 
American Central, 
American Exchange, 



American Fire, New York, . 
American Fire, Philadelphia, 
Atlantic Fire and Marine, 
Boatman's Fire and Marine, 
Buffalo 



Buffalo G-erman, . 
Citizens', New York, 
Citizens', Pittsburgh, 
Citizens', St. Louis, 
City Fire, 



Clinton, . 
Commerce, 
Commercial Fire, 
Connecticut Fire, 
Continental, . 



Delaware Mutual Safety, 
Enterprise Fire and Marine, 
Equitable Fire and Marine, . 
Exchange Fire, . . . 
Farragut Fire, 



Fire Association, .... 
Fire Insurance Co., County of Phila., 

Fireman's Fund 

Firemen's, Dayton, 
Firemen's, Newark, 



Firemen's, New York, 
Franklin Fire, 
G-erman American, 
G-erman Fire, 
Germania Fire, 



Girard Fire and Marine, 
Glens Falls, . 
Greenwich, 
Guardian Fire, 
Hanover Fire, 



Hartford Fire 

Home 

Howard, 

Insurance Co. of North America, 
Insurance Co., State of Pennsylvania, 



Irving, 

Jefferson, .... 
Long Island, .... 
Manufacturers' and Builders', 
Mechanics' Fire, . 



$14,936,379 

826,677 

1,619,817 

1,177,725 

519,070 



1,288,052 

4,978,293 

765,140 

538,802 

276,832 



2,364,708 

3,626,293 

537,300 

396,440 

796,556 



1,534,593 
1,792,205 
1,494,716 
5,895,200 
7,308,448 



2,506,785 
340,469 

3,628,957 
846,500 
495,066 



6,958,526 
659,740 

1,682,278 
774,594 

1,841,245 



1,077,593 
3,673,819 
7,710,844 
708,978 
5,039,150 



1,057,217 
2,508,070 
1,892,445 
1,023,412 
5,258,097 



10,103,965 
19,313,317 

3,026,724 
11,835,569 

1,557,331 



340,246 

818,142 

1,482,049 

1,037,236 

1,139,188 



$146,766 

8,257 

10,970 

15,333 

3,405 



7,985 
49,764 
8,853 
6,442 
3,583 



23,618 

38,281 

6,144 

5,531 

4,292 



9,252 
20,692 
16,322 
61,317 
66,683 



10,352 
3,702 

33,464 
6,740 
5,008 



89,468 
5,966 
13,014 
10,706 
12,592 



5,370 
33,134 
61,692 
10,592 
54,822 



8,616 
21,630 
10,852 

5,724 
48,277 



94,429 
171,274 

37,309 
120,503 

16,180 



3,813 
4,718 

11,100 
9,854 

10,858 



77,486 
2,930 
1,800 
9,013 
2,753 



2,769 

24,349 

5,657 

12 



11,427 
24,187 

901 

2,074 



12,378 
11,414 

8,021 
40,608 
25,334 



3,452 
4,125 
19,341 
7,782 
1,020 



61,022 
1,492 

13,641 
6,100 
5,448 



2,669 
29,753 
39,915 

3,236 
33,040 



4,814 

13,848 

2,686 

3,212 

24,181 



42,062 
97,553 
25,145 
75,610 
7,416 



190 
1,716 
4,647 
1,077 
3,992 



$101,401 
4,632 
1,712 
8,687 
2,753 



2,581 

20,373 

4,940 

12 



10,246 

25,975 

96 

826 

2,074 



8,768 
10,496 
11,074 
31,938 
33,390 



3,452 
5,000 
16,282 
5,011 
1,020 



74,049 
2,992 

12,181 
6,100 
2,995 



510 

29,753 

51,061 

3,236 

44,172 



6,064 

13,770 

2,598 

5,212 

26,195 



56,414 
99,463 
26,457 
66,891 
6,881 



190 
1,629 
4,710 

991 
3,928 



INSURANCE COMMISSIONER 



lxv 



Table XIII. — Massachusetts Business for 1883 — Continued. 



NAME OF OOMrANY. 


Risks Written. 


Premiums 
Received. 


Losses Paid 


Losses 
Incurred. 


Mercantile Fire, 

Merchants', Newark 

Merchants', New York, 
Merchants', Providence, 
Meriden, Fire, 


$337,575 
3,544,605 
649,644 
2,892,788 
3,260,435 


$1,317 
32,525 
4,913 
30,851 
37,495 


$2,280 
14,650 
1,105 
19,493 
16,247 


$13,714 

1,105 

18,261 

21,993 


Montauk Fire, 

National Fire, Hartford, 
National Fire, New York, . 

Newark Fire, 

New Hampshire Fire, .... 


563,270 

3,205,040 

1,464,178 

943,577 

5,434,422 


5,099 
29,872 
13,160 

9,058 
58,096 


1,508 
9,335 
8,754 
3,955 
36,860 


1,508 

17,080 

9,964 

4,864 

32,339 


New Orleans, 

New York Bowery, .... 

New York Fire 

Niagara, 

Northwestern National, 


1,260,827 
5,606,564 
752,497 
5,658,633 
1,856,773 


14,429 
52,867 
6,994 
63,499 
15,990 


6,386 
33,796 

7,229 
31,131 

5,642 


5,933 
36,410 

7,525 

40,663 

7,629 


Orient, 

Pacific Fire 

Pennsylvania Fire, .... 

People's Fire, 

Phenix, Brooklyn, .... 


4,292,352 
3,009,815 
5,130,679 
1,027,375 
8,153,125 


41,315 
20,602 
60,821 
10,762 
78,362 


21,732 
8,208 

45,439 
4,218 

52,667 


28,078 
10,208 
42,191 
4,437 
62,477 


Phoenix, Hartford, .... 
Providence Washington, 
Rochester German, .... 
Rutgers, .... . 
Security, 


8,080,270 

11,414,181 

1,749,382 

946,090 

1,981,329 


86,586 

107,225 

20,266 

7,097 

22,779 


62,494 

69,643 

7,068 

1,603 

13,257 


70,859 
65,193 
11,043 
1,603 
15,841 


Spring Garden, 

Standard Fire, 

Star Fire 

Sterling Fire, 

St. Paul Fire and Marine, 


783,847 

698,660 

1,998,401 

1,556,355 

706,345 


7,003 

5,922 

13,260 

10,984 

8,930 


59 

9,263 

11,461 

2,389 

5,916 


59 

9,088 

11,461 

2,346 

5,274 


Traders' * . 

Union, Philadelphia, .... 
Union, San Francisco, .... 

United Firemen's, 

United States Fire, .... 


2,409,101 

5,137,022 

1,402,260 

899,224 

452,722 

' 


29,551 

35,186 

8,106 

8,932 

3,751 


11,534 

29,446 

3,681 

1,788 

6 


15,464 

18,950 

1,227 

2,888 

6 


Westchester Fire, 

Williamsburgh City Fire, 


3,731,771 

4,499,444 


37,334 
39,323 


21,542 
22,383 


19,775 
22,458 




$260,501,376 


$2,485,511 


$1,407,466 


$1,501,145 



Marine Business. 



Atlantic Mutual 

Commercial Mutual, 

Continental 

Delaware Mutual Safety, 
Equitable Fire and Marine, . 

Great Western, . 

Insurance Co. of North America, 

Northwestern National, 

Orient Mutual, . . . . 

Phenix, Brooklyn, 

Providence Washington, 
Union, Philadelphia, 
United States Lloyds, . 



$8,244,399 
767,924 
674,398 

33,774,131 
780,126 

6,622,300 

64,108,488 

1,407,593 

490,558 

4,738,514 

5,288 700 

2,294,728 

630,063 



$129,821,922 



$115,365 

29,081 

881 

277,989 

7,854 

46,373 

408,131 

9,1.34 

8,906 

18,432 

52,874 
16.365 
11,294 



$48,363 
5,427 
1,636 

113,222 
2,956 

16,142 
379,874 
10,927 
16,805 
19,883 

51,315 

12,398 

516 



$1,002,679 



)79,464 



$48,363 
5,427 
1,636 

128,991 
3,503 

14,174 

379,874 
11,218 
13,809 
19,883 

45,070 

14,160 

560 



$686,668 



lxvi 



REPORT OF THE 



Table XIII. — Massachusetts Business for 1883 — Concluded. 

United States Branches Foreign Companies. 

Fire Business. 



name of company. 



Risks Written. 



Premiums 
Eeceived. 



Losses Paid, 



Losses 
Incurred. 



Brilish America, . 

City of London, 

Commercial Union, 

Fire Insurance Association, 

Guardian Assurance, . 



Hamburg-Bremen, 

Imperial, 

Lancashire, 

Lion Fire, 

Liverpool and London and Globe, 



London Assurance, 
London and Lancashire, 
London and Provincial, 
North British and Mercantile, 
Northern Assurance, . 



North German, 
Norwich Union, 
Phoenix Assurance, 
Queen, 
Royal, 



Scottish Union and National, 

Sun Fire Office, . 

Transatlantic, 

United Fire Reinsurance,* . 

Western Assurance, 



$3,089,272 
8,991,283 

14,052,842 
6,115,309 
8,027,131 



4,558,170 
9,128,330 
6,243,873 
2,049,760 
24,355,643 



6,750,053 
6,963,536 
5,834,895 
12,497,759 
7,723,325 



1,367,788 

4,666,964 

9,864,500 

11,114,306 

19,789,242 



2,284,933 
8,889,749 
1,308,304 

1,661,809 



$36,175 
95,609 

120,525 
63,606 
77,377 



39,634 
91,056 

72,408 

24,633 

197,867 



62,542 
80,837 
60,120 
110,357 
69,002 



19,850 

45,459 

84,326 

100,338 

195,956 



26,273 

89,164 

9,263 

24,242 



Totals, 



$187,328,776 



$1,796,619 



$15,229 
46,034 
72,859 
38,194 
30,587 



16,358 
66,474 
57,237 
10,755 
103,970 



28,354 
50,036 
38,958 
77,251 
34,617 



11,664 
16,519 
52,497 
38,053 
110,173 



11,543 

27,404 
4,994 

12,803 



$18,817 
55,315 

109,011 
37,705 
31,878 



18,493 

71,982 

62,724 

15,772 

111,674 



28,354 
53,508 
46,283 
91,143 
53,786 



12,511 
16,519 
46,613 
46,910 
117,970 



19,693 

29,542 

3,869 

14,514 



$972,563 



$1,114,586 



* Admitted Dec. 29, 1883. 



Marine Business. 



British and Foreign Marine, 

Thames and Mersey 

Union Marine 


$19,702,586 

25,858 

5,348,600 


$106,507 

95 

33,346 


$116,197 
26,470 


$157,062 
28,045 




$25,077,044 


$139,948 


$142,667 


$185,107 



INSURANCE COMMISSIONER. 



lxvii 



RECAPITULATION. 

Fire Business. 





Risks Written. 


Premiums 
Received. 


Losses 
Paid. 


Losses 
Incurred. 


Massachusetts Mutual Fire Companies, 
Massachusetts Joint Stock Companies, 
Companies of other States, . 
United States Branches, 


$154,439,444 
107,927,918 
260,501,376 
187,328,776 


$1,646,707 

967,530 

2,485,511 

1,796,619 


$614,026 
452,021 

1,407,466 
972,563 


$597,195 

551,023 

1,501,145 

1,114,586 


Totals, 


$710,197,514 


$6,896,367 


$3,446,076 


$3,763,949 



Marine Business. 



Mass. Mutual Marine Companies, 
Massachusetts Joint-Stock Companies, 
Companies of other States, . 
United States Branches, 

Totals, 



$23,348,527 
97,039,042 

129,821,922 
25,077,044 



$438,589 

1,746,646 

1,002,679 

139,948 



$275,286,535 $3,327,862 



$361,689 

1,225,356 

679,464 

142,667 



$2,409,176 



$307,689 

1,285,319 

686,668 

185,107 



$2,464,783 



lxviii 



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INSURANCE COMMISSIONER. 



lxxiii 



Comparison of Table XIV. for Six Years. 





No. of 






Amount 


Total 


Partial 


Year. 




Insurance. 


Damage. 


Insurance 








Fires. 






Paid. 


Losses. 


Losses. 


1878 . 


1,728 


$7,703,226 


$3,683,265 


$2,525,182 


$532 


$1,196 


1879 . 


1,852 


8,086,657 


3,626,430 


2,604,274 


605 


1,247 


1880 . 


1,722 


11,033,541 


4,454,221 


3,159,515 


596 


1,126 


1881 . 


1,694 


11,414,179 


4,312,642 


3,059,424 


511 


1,183 


1882 . 


1,758 


12,406,617 


4,789,906 


3,688,780 


529 


1,229 


1883 . 


2,233 


12,325,823 


4,686,759 


3,093,971 


666 


1,567 


Total, . 


10,987 


$62,970,043 


$25,553,223 


$18,131,146 


$3,439 


$7,548 


Average,* . 


1,831 


10,495,007 


4,258,871 


3,021,858 


573 


1,258 



* To preserve the ratio of fires as of former years the number of lorest tires — 99 — is 
not included in the above average. 



Ixxiv 



REPORT OF THE 



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INSURANCE COMMISSIONER. 



Ixxix 



Table XVI. — Causes of Fires Classified. 



Property. 



Cause of Fire. 



•i 



Almshouses, ■] 

Bakeries and confectioneries, 

Barber shops 

Blacksmith shop, .... 



Barns and private stables, . 



Bleacheries, .... 
Boarding and lodging houses 
Boiler and engine house, 
Books and stationery stores, 
Bookbinders, . . . 



Boot and shoe manufacturers, 



Boot and shoe stores, 
Bottlers, 
Brass finisher, 
Breweries, 
Brick-kilns, . 
Brush manufactories, 
Button manufactories, 
Carpet lining manufactory, 



Churches, 



Cider mills, ..... 
Cigar stores and manufactories, . 

Clothing stores, .... 

Club rooms and billiard halls, . . -J 

Comb manufactories, .... 
Cotton-batting manufactories, waste- f 
houses, jute and shoddy mills, . { 

Coppersmith, 

Cotton factories, 

Cooper shops,' 

Crockery and glassware stores, . 

Currier shops and tanneries, 



Incendiary, 2; careless use of matchep, 1 ; 
unknown, 1. 

Overheated stove, 1 ; exposure, 3 ; spark 
from oven, 1 ; ashes in wooden vessel, 1 ; 
kerosene lamp, 1. 

Unknown, 2; incendiary, 2; kerosene 
lamp, 2; spontaneous combustion, 1; 
exposure, 1. 

Spontaneous combustion, 1; sparks from 
forge, 5; unknown, 5; exposure, 4; in- 
cendiary, 7 ; hot iron on woodwork, 2. 

Ashes in wooden vessels, 2; breaking lan- 
tern, 3 ; children with matches, 24 ; care- 
less use of matches, 1 ; defective chim- 
ney, 2; exposure, 30; fireworks, 2; 
incendiary, 92 ; lightning, 16 ; spontane- 
ous, 2 ; sparks from chimney, 2 ; smok- 
ing, 10 ; sparks from locomotive, 1 ; 
kerosene lamp, 2 ; nnknown, 69 ; tramps, 
3. 

Overheated stove, 1. 

Kerosene lamp, 1. 

Sparks from furnace, 1. 

Exposure, 6. 

Exposure, 1. 

Careless use of matches, 2; defective 
Chimney, 3 ; exposure, 1 ; friction, 1 ;. 
incendiary, 2 ; ignition volatile oil, 1 ;. 
spontaneous, 3 ; smoking, 1 ; sparks from 
stove, 1 ; rats and matches, 1 ; kerosene 
lamp, 4; unknown, 9; overheated stove, 
1. 

Exposure, 5; unknown, 4. 

Exposure, 1. 

Exposure, 1. 

Friction, 1; incendiary, 1; unknown, 1. 

Sparks from kiln, 2. 

Ashes in wooden vessel, 1 ; exposure, 1. 

Overheated stove, 1, 

Spark from picker, 1. 

Exposure to gas jet, 2; careless use of 
matches, 1 ; exposure, 2 ; ashes in wood- 
en vessel, 1 ; defective heating apparatus, 
1 ; lightning, 1 ; unknown, 2. 

Incendiary, 2; unknown 1. 

Ashes in wooden vessel, 1 ; careless use of 
matches, 1 ; exposure, 1 ; kerosene lamp, 
2; overheated dryer, 1; unknown, 4. 

Careless use of matches, I ; fireworks, 1 ; 
exposure, 1 ; incendiary, 3 ; unknown,. 
2. 

Careless use of matches, 1 ; children with 
matches, 1 ; exposure, 2 ; kerosene lamp, 
1 ; smoking, 1 ; unknown, 2. 

Unknown, 1. 

Friction, 2 ; spontaneous, 3 ; unknown,. 
1. 

Exposure, 1. 

Incendiary, 1 ; spontaneous, 3. 

Sparks from chimney, 2. 

Careless use of matches, 1. 

Defective chimney, 2; spark from chim- 
ney, 1 ; thawing water-pipe, 1 ; unknown, 
3. 



Ixxx 



REPORT OF THE 



Table XVI. — Causes of Fires Classified — Continued. 



Property. 



Cause of Fire. 



Dental material manufactories, . 
Dining-rooms, . 

Drug stores, . 



Dry goods, woolens, fancy goods and 
trimming stores, 



Dwelling-houses, . 



Dye works, .... 

Dye woods and chemicals, . 

File and cutlery manufactories, 
Flouring and grist mills, 

Forest fires, .... 
Foundries, .... 

Furniture manufactories, . 

Furniture stores, 

Gas works, . 

General stores, 

Glass makers, 
Glove factories, 
Gold beaters, 
Gold and silver platers, 

Greenhouses, 
Grocery stores, 

Hardware stores, . 

Harness manufactories, 
Hay stores, . 



Exposure, 1; unknown, 1. 

Exposure, 3 ; kerosene, lamp, 2 ; un- 
known, 4. 

Exposure, 5; fireworks, 1; ignition of vol- 
atile oil, 1 ; kerosene lamp, 3 ; over- 
heated stone, 1 ; spontaneous, 3 ; plumb- 
ers' furnace, 1. 

Ashes in wooden vessels, 1; careless use of 
matches, 2 ; defective heating apparatus, 
2; exposure, 24; exposure to gas jet, 4; 
fireworks, 2; incendiary, 2; spontane- 
ous, 1; smoking, 1; thawing water-pipe, 
1 ; kerosene oil lamp or stove, 4 ; over- 
heated stove, 1 ; unknown, 10. 

Ashes in wooden vessels, 14; breaking 
lantern, 1 ; boiling over fat, 2 ; children 
with matches, 58; careless use of match- 
es, 25 ; clothes exposed to lamp or stove, 
7 ; defective chimney, 156 ; defective 
heating apparatus, 16; exposure, 142; 
exposure to gas jet, 16 ; explosion of gas, 
1 ; explosion of chemicals, 1 ; fireworks, 
24 ; hot iron on woodwork, 1 ; incendi- 
ary, 97 ; ignition volatile oil, 6 ; kerosene 
lamp or stove, 66; lightning, 11; rats 
and matches, 7; spontaneous, 2; sparks 
from chimney, 39 ; sparks from stove or 
furnace, 3 ; sparks from locomotive, 6 ; 
sparks from hoisting engine, 7; smok- 
ing, 18 ; tramps, 2 ; thawing water-pipe, 
6 ; plumber's furnace, 1 ; overheated 
stove, 30 : unknown, 175. 

Overheated stove, 2; unknown, 2. 

Ignition volatile oil ; 2 ; kerosene stove, 1 ; 
spontaneous, 1 ; unknown, 2. 

Exposure, 2; sparks from locomotive, 1. 

Incendiary, 1. 

99 returned, cause in nearly all cases un- 
known. Many cases reported as proba- 
bly arising from burning gun-wads. 

Hot iron on woodwork, 1 ; incendiary, 1 ; 
sparks from chimney, 1 ; sparks from 
furnace, 1; unknown, 1. 

Careless use of matches, 2; defective 
chimney, 1 ; incendiary, 1 ; spontaneous, 
1 ; unknown, 2. 

Exposure, 4; ignition volatile oil, 1; in- 
cendiary, 4 ; spontaneous, 3 ; unknown, 3. 

Unknown, 1. 

Exposure, 13 ; overheated stove, 1 ; un- 
known, 1. 

Unknown, 1. 

Unknown, 1. 

Unknown, 1. 

Spontaneous, 1. 

Exposure, 1 ; incendiary, 1 ; overheated 
stove, 2; unknown, 1. 

Exposure, 16 ; fireworks, 1 ; incendiary, 2 ; 
ignition volatile oil, 2; kerosene lamp or 
stove, 3 ; overheated stove, 1 ; unknown, 
7. 

Careless use of matches, 1 ; exposure, 2 ; 
incendiary, 1. 

Exposure, 3 ; incendiary, 1 ; sparks from 
forge, 1; smoking, 1; unknown, 1. 

Incendiary, 1. 



INSURANCE COMMISSIONER. 



lxxxi 



Table XVI. — Causes of Fires Classified — Continued. 



Property. 



Cause of Fire. 



Hotels, .... 

Ice-houses, . 

Jewelry manufactories, 

Jewelry stores, 
Junk stores, . 
Lampblack manufactories, 

Laundries, . 

Leather-board mills, . 

Liquor stores and saloons, 



Livery stables, 

Loom-picker manufactories, 
Lumber sheds and wharves, 



Machine shops, . 



Millinery stores, 



Offices, 



Oil clothing manufactories, . 

Oil stores, 

Oil works, 

Paper bag, collar and envelope maim 
factories, 

Paint shops, 

Paperhanger, .... 

Paper mills, 

Paper stores, .... 

Paper stock houses, 

Photograph rooms, 

Picture frame and moulding dealers, 

Potteries, 

Printing offices, .... 
Printers' supplies, 

Provision stores, .... 



Public buildings, 



Railroad depots, cars and coal sheds, 



Defective chimney, 5; exposure, 3; over- 
heated stove, 1 ; rats and matches, 1 ; 
unknown, 5. 

Incendiary, 5 ; exposure, 1 ; unknown, 5. 

Exposure, 2 ; sparks from furnace, 1 ; un- 
known, 1. 

Exposure, 1 ; incendiary, 2. 

Incendiary, 4 ; spontaneous, 1 ; unknown, 4. 

Overheated flue, 2; overheated oven, 1. 

Defective chimney, 1 ; exposure, 1 ; incen- 
diary, 1 ; overheated stove, 1 ; unknown, 
1. 

Overheated stove, 1; unknown, 1. 

Defective chimney, 1 ; careless use of 
matches, 1 ; exposure, 8 ; smoking, 1 ; 
ignition volatile oil, 1 ; incendiary, 2 ; 
kerosene lamp or stove, 2; overheated 
stove, 1. 

Defective chimney, 1; exposure, 2; incen- 
diary, 5 ; kerosene lamp, 1 ; unknown, 4. 

Kerosene lamp, 1. 

Exposure, 1; incendiary, 1 ; unknown, 1. 

Exposure, 22; friction, 2; hot iron on 
woodwork, 1 ; incendiary, 4 ; sponta- 
neous, 2 ; sparks from forge, 3 ; sparks 
from furnace, 4 ; plumber's fire pot, 1 ; 
unknown, 5. 

Exposure, 3 ; incendiary, 1 ; overheated 
stove, 1 ; unknown, 2. 

Careless use of matches, 1 ; electric light 
wires, 1 ; exposure, 18 ; incendiary, 1 ; 
kerosene lamp, 2 ; overheated stove, 1 ; 
smoking, 2 ; lighting, 1 ; unknown, 1. 

Unknown, 1. 

Careless use of matches, 1 ; exposure, 1 ; 
ignition of volatile oil, 1. 

Defect in tank, 1. 

Exposure, 1 ; sparks from furnace, 2. 

Exposure, 2 ; incendiary, 3 ; sparks from 
chimney, 1 ; spontaneous, 2. 

Unknown, 1. 

Friction, 2 ; sparks from furnace, 1 ; spon- 
taneous, 2; unknown, 4. 

Exposure, 3 ; incendiary, 1 ; unknown, 2. 

Careless use of matches, 1 ; unknown, 1. 

Exposure, 2; unknown, 3. 

Exposure, 1 ; unknown, 1. 

Exposure, 1 ; defective furnace, 1 ; sparks 
from kiln, 1. 

Exposure, 15 ; incendiary, 3 ; unknown, 2. 

Exposure, 2; unknown, 1. 

Defective chimney, 2 ; exposure, 3 ; ex- 
posure to gas jet, 1 ; incendiary, 2 ; kero- 
sene oil lamp, 1 ; rats and matches, 2 ; 
roasting coffee, 2 ; unknown, 2. 

Careless use of matches, 3 ; defective 
chimney, 2; defective heating appara- 
tus, 1; exposure, 5; incendiary, 1; 
smoking, 2; unknown, 1. 

Electric light wires, 1 ; careless use of 
matches, 1 ; exposure, 1 ; ignition of vol- 
atile oil, 2; overheated stove, 4; rats 
and matches, 1 ; kerosene oil lamp, 1 ; 
sparks from locomotive, 4 ; spontaneous, 
5 ; unknown, 3. 



lxxxii 



KEPORT OF THE 



Table XVI. — Causes of Fires Classified — Concluded. 



Property . 



Cause of Fire. 



Rubber mills, 
Rubber stores, 

Saw and planing mills, 

School-houses, 

Shoemakers' shops, 
Skate factory, 

Slaughter houses, . 

Spice mills, . 
Stone worker, 
Soap manufactories, 
Steam piper, . 



Store houses, 
Smoke houses, 
Stoves and tinware, 



Tailoring and dressmaking establish- 
ments, 



Telephone and telegraph stations, 
Type foundry, .... 

Unoccupied buildings, . 

Upholstering establishments, 
Vessels at wharves, 
Whiting manufactories, 



Woodsheds, 



Wood working establishments, . 

Wooden ware stores, . 

Woollen factories, 

Wool stores, 



Unclassed ; loss confined to building, I 
contents unknown, . . . . j 



Friction, 2 ; ignition of volatile oil, 1 ; 
spontaneous, 1; unknown, 1. 

Careless use of matches, 1 ; unknown, 1. 

Ashes in wooden vessel, 1 ; incendiary, 3 ; 
sparks from furnace, 4; spontaneous, 1; 
unknown, 5. 

Defective chimney, 1 ; exposure, 1 ; in- 
cendiary, 2 ; defective heating apparatus, 
1 ; lightning, 1 ; spontaneous, 1 ; un- 
known, 4. 

Exposure, 1; incendiary, 1. 

Overheating varnish, 1. 

Incendiary, 2; overheated stove, 1; un- 
known, 2. 

Unknown, 1. 

Exposure, 1; unknown, 1. 

Ashes in wooden vessel, 1 ; unknown, 1. 

Exposure, 2. 

Ashes in wooden vessels, 1 ; defective 
chimney, 1 ; exposure, 4; incendiary, 5; 
smoking, 1 ; spontaneous, 5 ; tramps, 1 ; 
unknown, 3. 

Sparks from chimney, 1. 

Boiling over fat, 1 ; exposure, 6 ; explo- 
sion of gas, 1 ; overheated stove, 2 ; 
sparks from plumber's furnace, 1; un- 
known, 2. 

Careless use of matches, 2; defective 
chimney, 1 ; exposure, 4 ; incendiary, 1 ; 
unknown, 3. 

Electric light wires, 1. 

Exposure, 1. 

Careless use of matches, 1 ; incendiary, 22 ; 
smoking, 2 ; spontaneous, 1 ; thawing 
water pipes, 1 ; unknown, 4. 

Exposure, 1. 

Spontaneous, 1 ; unknown, 3. 

Defective kiln, 1. 

Ashes in wooden vessel, 2 ; children with 
matches, 5 ; exposure, 2 ; incendiary, 12 ; 
kerosene lamp, 1 ; sparks from locomo- 
tive, 1 ; sparks from brick kiln, 1 ; 
smoking, 1 ; unknown, 6. 

Careless use of matches, 2; defective 
chimney, 1 ; defective heating apparatus, 
1 ; defective oven, 1 ; exposure, 19 ; 
exposure to gas jet, 1 ; incendiary, 11 ; 
ignition of volatile oil, 1 ; kerosene lamp, 
1 ; spontaneous, 8 ; sparks from chim- 
ney, 5 ; sparks from furnace, 10 ; sparks 
from forge, 1 ; overheated stove, 6 ; un- 
known, 18. 

Spontaneous, 1 ; exposure, 1. 

Exposure to gas jet, 1 ; from picker, 3 ; 
friction, 1 ; lightning, 1 ; sparks from 
chimney, 1 ; sparks from locomotive, 1 ; 
spontaneous, 4 ; unknown, 4. 

Exposure, 1 ; unknown, 1. 

Ashes in wooden vessel, 3 ; exposure, 1 ; 
friction, 2 ; incendiary, 2 ; kerosene lamp, 
broken by thieves, 1 ; hot iron on wood- 
work, 1 ; spontaneous, 3 ; unknown, 7. 



INSURANCE COMMISSIONER. 



lxxxiii 



Table XVII. — Summary of Causes. 



Cause. 



part 



Exposure, ... 
Unknown, . 

Incendiary (as reported), 
Defective chimney, . 
Kerosene lamp or stove, 
Forest fires (reported in 
only), .... 
Children with matches, 
Overheated stove, 
Spontaneous, 
Sparks from chimney, 
Careless use of matches, . 
Smoking, .... 
Fireworks, .... 
Lightning, .... 
Ashes in wooden vessel, . 
Sparks from stove or furnace, 
Exposure to gas jet, . 
Defective heating apparatus, 
Ignition of volatile oil, 
Sparks from locomotive, . 



No. 



462 
435 
291 
176 
102 

99 
88 
64 
63 
57 
53 
40 
31 
31 
29 
27 
25 
23 
20 
19 



Cause. 



Rats and matches, . 
Friction, .... 
Sparks from forge, . 
Thawing water pipes, 
Clothes exposed to lamp c 

stove, .... 
Hot iron on woodwork, . 
Tramps, .... 
Breaking lantern, 
Defective oven, : 
Plumber's furnace, . 
Sparks from picker, 
Sparks from kiln, 
Boiling over fat, 
Electric light wire, . 
Explosion of gas, 
From coffee roaster, 
Sparks from hoisting engine, 
Explosion of chemicals, . 

Total, .... 



No. 



13 
13 
10 
10 

7 
6 
6 
4 
4 
4 
4 
4 
3 
3 
2 
2 
2 
1 



2,233 



Table XVIII. — Statement of the Receipts and Expenditures of 
the Insurance Department for the Tear ending Dec. 31, 1883. 

[Made pursuant to Chap. 119, Sect. 21, Public Statutes.] 

Receipts. 



Compensation for valuation of life insurance policies, 
License fees, filing statements, certificates, etc., 



$17,111 69 
19,231 76 



$36,343 45 



Expenditures. 



Commissioner. 








John K. Tarbox, from April 21, . 


$2,083 33 






Julius L. Clarke, to March 8, 


564 51 










$2,647 


84 


Deputy Commissioner. 




William S. Smith, ..... 


• 


2,500 


00 


Clerks. 








Fredk. L. Cutting, first, . 


• $1,800 00 






James E. Shepard, second, from Oct. 1, 


375 00 






James G. Bovey, to Sept. 30, ... 


1,125 00 






Eugene M. Moriarty, ex. clerk from Sept. 16, 


291 67 






Herbert Morissey, to Sept. 15, . 


708 33 










4,300 


00 







c^ 



lxxxiv REPORT OF INS. COMMISSIONER. 



Table XVIII. — Statement of Receipts, etc. — Concluded. 



Extra Clerks. 








C. E. Weis, . 


$840 


00 




C. L. Sawyer, 














732 


50 




A. N. Tenney, 














795 


00 




M. A. Allen, . 














795 


00 




M. L. McMann, 














795 


00 




A. M. Hawes, 














795 


00 




E. L. Johnson, 














795 


00 




E. W. Cushman, 














795 


00 




S. L. Flint, . 














481 


45 










$6,823 95 








General Expenditures. 








Printing and binding, . 


$667 


51 




Travelling expenses, 










253 


39 




Noah A. Plyrnpton, 










231 


27 


ft 


Postage, 










225 


17 




Certificate and other books, 










208 


85 




Stationery, 










79 


35 




Telegrams and express, 










64 


78 




Horace Smith, as appraiser, 










50 


00 




Newspapers and advertising, 








31 


26 




Miscellaneous, 








21 


70 










1,833 28 








Total expenditures for 1883, . 


$18,105 07 


Fees collected and paid into State treasury, . 


• 




36,343 45 


Surplus accrue 


d to 


Comi 


inonv 


realt! 


i, 




$18,238 38 



MASSACHUSETTS MUTUAL 

EIRE INSURANCE COMPANIES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1883. 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



ANNISQUAM MUTUAL FIRE INSURANCE COMPANY, 

GLOUCESTER. 

[Incorporated March 1, 1847. Commenced business, Dec. 28, 1847.] 

Charles A. Fernald, President. James S. Jewett, Secretary. 

[Note. — This company charges a cash premium adequate for ex- 
penses only, and relies upon assessments upon deposit notes to pay 
losses.] 

Summary of Assets Dec. 31, 1883. 

Loans on mortgage of real estate (first liens), . $2,775 00 

United States bonds, 

Loans on personal security, . 

Cash in the office of the company, 

Cash deposited in savings banks, . 

Interest due and accrued, 

Office safe, $85 00 

Gross assets, .... 

Income. 

Received for interest on mortgages, 

for interest from all other sources, 

from assessments on deposit notes, 
Deposit notes received during the year, 



Gross cash income, 



618 00 




785 00 




42 17 




2,923 22 




98 35 






$7,241 74 






$196 24 


. 


76 13 


. 


291 29 


14,890 00 





$563 66 



Expenditures. 

Paid for salaries and fees of officers and employees, . 

for State and local taxes, 

for incidental expenses, 

Gross cash expenditures, 

Miscellaneous. 
Risks outstanding Dec. 31, 1882, . . . $343,527 00 

Risks written during 1883 67,350 00 

Total, . . ... 
Risks terminated during 1883, 



Net amount in force Dec. 31, 1883, 

Deposit notes received on outstanding risks, 



$279 00 
2 97 
8 86 

$290 83. 



-- $110,877 00 
68,375 00 

. $342,502 00 
. 23,871 75- 



1883.] 



INSURANCE COMPANIES. 



ARKWRIGHT MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Feb. 8, 1860. Commenced business, Oct. 1, I860.] 

Waldo Higginson, President. Edward H. Sprague, Secretary. 

Ice, 131 Devonshire Street. 



Detailed Statement op Stocks, 



United States bonds, 

Massachusetts State bonds, 

Maine State bonds, 

Boston city bonds, 

Providence city bonds, . 

Old Colony Railroad bonds, 

Boston and Maine Railroad bonds, 

Boston and Lowell Railroad bonds, 

Boston and Albany Railroad bonds, 

Fitchburg Railroad bonds, . 

Atch., Topeka and Santa Fe R. R. bonds, 

Chicago, Burl, and Quincy Railroad bonds, 

Plrila., Wilm. and Baltimore R. R. bonds, 

Corporation notes, .... 



Bonds, etc. 

Par value. 
$25,000 00 
20,000 00 
12,000 00 
20,00'. i 00 
10,000 GO 
15,000 00 
14.000 00 
12,000 00 
30,000 00 
15,000 00 
10,000 00 
30 000 00 
20,000 00 



Summary of Assets, Dec. 31, 1883. 
Stocks, bonds, etc., as per schedule, . . $309,622 08 



Cash in the office of company, 
Cash deposited in bank, 
Interest due and accrued, 
Gross assets, . 



Liabilities. 

Claimed and reported losses, not adjusted, 
Unearned premium on outstanding risks, 
"State and local taxes, due or accrued, 
Gross liabilities, . 

Surplus, . 

Income. 

Gross cash premiums received during the 

year, 

Deduct return premiums, 
Net cash premiums received, 
Received for interest from all sources, 
Deposit notes received during the year, 

Gross cash income, 



118 76 

23,853 77 

4,736 67 



$317,580 40 
10,976 71 



^, 587,902 00 



Market value. 

$30,750 00 
22,600 00 
13,440 00 
24,200 00 
11,400 00 
18,450 00 
17,220 00 
14,100 00 
36,480 00 
18,450 00 
12,000 00 
30,300 00 
21,000 00 
39,232 08 

$309,622 08 



$338,331 28 



$28,800 00 ' 
153,812 82 
642 18 



183,255 00 

$155,076 28 



$306,603 69 
9,535 73 

$316,139 42 



6 



MASSACHUSETTS MUTUAL FIRE [Dec. 31 . 



Expenditures. 
Paid for losses during the year, . . . . 
for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, 



Gross cash expenditures, 



!,258 18 

14,252 60 

3,026 25 

161,014 23 

1,150 00 

2,751 73 

$278,452 99 



Miscellaneous. 



531,394,717 00 

37,019,802 00 



Risks outstanding Dec. 31, 1882, . 
Risks written during 1883, . 

Total, $68,414,519 00 

Risks terminated during 1883, 32,625,558 00 

Net amount in force Dec. 31, 1883, .... $35,788,961 00 
Deposit notes received on outstanding risks, . . . 1,538,128 25 

Losses incurred during the year, 70,464 75 

Percentage of profits or surplus returned during 1883, 58| per cent. 
Average rate to date, 65 T 5 ff 5 o per cent. 



ASHFIELD MUTUAL FIRE INSURANCE COMPANY, ASHFIELD. 

[Incorporated June 4, 1873. Commenced business July 19, 1873.] 

Henry S. Ranney, President. Asa G. Wait, Secretary 

[Note. — Insures property in the town of Ashfield only.] 

Cash in the office of the company, . . . $359 14 

Unpaid assessments on deposit notes, . . . 61 67 

Gross assets, 

Income. 

Gross cash premiums received during the year, . 

Received from assessments on deposit notes, 

Deposit notes received during the year, . . $882 38 

Gross cash income, 

Expenditures. 
Paid for salaries and fees of officers and employees, 
for State and local taxes, 

Gross cash expenditures, 

Miscellaneous 
Risks outstanding Dec. 31, 1882, . . . $46,653 50 

Risks written during 1883 27,798 25 

Total 

Risks terminated during 1883, 

Net amount in force Dec, 31, 1883, 

Deposit notes received on outstanding risks, 



$420 81 



$135 28 
109 87 



$245 15 



$5 00 
2 51 

$7 51 



$74,451 75 
31,589 50 

$42,862 25 
1,240 00 



1883.] 



INSURANCE COMPANIES. 



ATTLEBOROUGH MUTUAL FIRE INSURANCE COMPANY, 

ATTLEBOROUGH. 

[Incorporated Feb. 24, 1844. Commenced business July 1, 1845.] 

Joseph W. Capron, President. Elijah R Read, Secretary. 

Summary of Assets, Dec. 31, 1883. 
Loans on mortgage of real estate (first liens), $6,525 00 

School district notes, 

Cash in the office of the company, 
Cash deposited in savings banks, 
Premiums in course of collection (net), 
Interest due and accrued, .... 
Gross assets, . . . . 

Liabilities. 

Owing for borrowed money, 
Unearned premiums on outstanding risks, . 
Gross liabilities, . ... 

Surplus, . ... 

Income. 

Gross cash premiums received during the year, 
Deduct return premiums, .... 
Net cash premiums received, 
Received for interest on mortgages, . 
Received for interest from all other sources, 
Deposit notes received during the year, 

Gross cash income, $2,781 44 



4,900 00 
103 94 

4,892 75 

9 60 

384 21 


$16,815 5a 
5,264 64 


$250 00 
5,014 64 




$1,909 81 

84 77 


$11,550 86 

$1,825 04 
332 00 
624 40 


17,639 24 



Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, .... 
for incidental expenses, .... 

Gross cash expenditures, 



L,645 00 

277 00 

17 30 

32 20 

t,971 50 



Miscellaneous. 

Risks outstanding Dec. 31, 1882, . . . $1,307,360 00 



Risks written during 1883, . 

Total, . 
Risks terminated during 1883, 

Net amount in force Dec. 31, 1883, 

Deposit notes received on outstanding risks, 

Losses incurred during the year, 



287,270 00 



$1,594,630 00 
168,775 00 

$1,425,855 00 

40,117 14 

4,645 00 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE 
COMPANY, YARMOUTHPORT. 

[Incorporated March 2, 1833. Commenced business Aug. 1, 1833.] 

Joseph R. Hall, President. Frank Thacher, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



22 shares Merchandise Nat'l Bank, Boston 
20 " State Nat'l Bank, Boston, . . 
25 " Tremont National Bank, Boston 

4 " Massachusetts Nat'l Bank, Boston 
8 " Shawmut National Bank, Boston 

15 " Nat'l Bank of Redemption, Boston 

5 " Nat'l Bank of Republic, Boston, 
40 " First National Bank, Yarmouth, 
10 " Falmouth National Bank, 
63 " Old Colony Railroad, . 
£0 " Union Pacific Railroad, 
10 " Central Pacific Railroad, 
50 " Atch., Topeka & S. F. R. R 
United States bonds, . 
Maine State bonds, . . 
Fall River city bonds, . 
Sheboygan city bonds, 
Union Pacific Railroad bonds, 
Old Colony Railroad bonds, 
Iowa Falls and Sioux City Railroad bonds 
Chicago and East Illinois Railroad bonds, 
Oregon Short Line Railroad bonds, . 



Securities held as collateral for cash loans 

3 shares Mashpee Manufacturing Co., 
Personal loans, . 



Par value. 

$2,200 00 
2,000 00 
2,500 00 
1,000 00 

800 00 
1,500 00 

500 00 
4,000 00 
1,000 00 
6,300 00 
4,935 49 

805 00 
4,142 50 
8,000 00 
2,500 00 
1,000 00 

750 00 
15,000 00 
5,000 00 
2,000 00 
1,800 00 
1,000 00 



Market value. 

$2,131 25 
2,580 00 
2,912 50 
1,130 00 

930 00 
1,916 25 

642 50 
5,200 00 
1,200 00 
8,820 00 
3,550 00 

640 00 
3,950 00 
9,190 00 
2,900 00 
1,200 00 

675 00 
16,790 00 
5,887 50 
2,392 50 
1,902 00 
1,050 00 



Summary op Assets, Dec. 31, 1883. 



,732 99 $77,589 50 



Market value. Loaned thereon. 

$300 00 $300 00 
2,535 50 



!,835 50 



Cash value of unencumbered real estate, . 
Stocks and bonds, as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in the various banks, 
Interest due and accrued, . 
Unclaimed dividends, . 
Gross assets, . 



$2,231 


69 


77,589 


50 


2,835 50 


142 


24 


3,061 


36 


861 


26 


328 


79 



,050 34 



1883.] 



INSURANCE COMPANIES. 



Liabilities. 

Claimed and reported losses, not adjusted, $180 00 

Unearned premiums on outstanding; risks, 42,700 75 

State and local taxes, due or accrued, . 35 00 

Gross liabilities 

Surplus, ■ 

Income. 

■Gross cash premiums received during the year, 
Received for interest from all other sources, 

for rents, . 

from policy fees, 

Deposit notes received during the year, . $52,885 26 

Gross cash income, 



Expenditures. 

Paid for losses during the year, .... 

for salaries and fees of officers and employees, 
for State and local taxes, 
for profits or surplus on terminated policies, 
for incidental expenses, .... 



Gross cash expenditures, 



Miscellaneous 



Risks outstanding Dec. 31, 1882, . 
Risks written during 1883, . 

Total, .... 
Risks terminated during 1883, 



$5,250,673 52 
1,064,724 00 



,915 75 



$44,134 59 



$18,043 60 

3,991 10 

25 00 

140 00 



$22,199 70 



$2,000 42 
3,336 75 

171 97 
11,541 91 

544 07 

M7,595 12 



$6,315,397 52 
1,000,009 78 



Net amount in force Dec. 31, 1883, . . . . .$5,315,387 74 
Deposit notes received on outstanding risks, . . . 206,073 64 

Losses incurred during the year, 2,180 42 

Percentage of profits or surplus returned during 1883, 80 per cent. 
Average rate to date, 80 per cent. 



BERKSHIRE MUTUAL FIRE INSURANCE COMPANY, 

PITTSFIELD. 

[Incorporated March, 1835. Commenced business August, 1835.] 

J. L. Peck, President J. M. Stevenson, Secretary. 

Detailed Statement op Stocks, Bonds, etc. 

Par value. Market value. 

Western Union Telegraph Co., bonds, . $4,000 00 $1,640 00 

Boston & Albany Railroad bonds* . . 6,000 00 7,500 00 

500 shares Boston & Albany Railroad, . 5,000 00 7,875 00 

140 " N.Y. Central and Hudson R.R.R., 14,000 00 15,820 00 



10 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



100 shares Adams Express Co., . 
75 " Pittsfield National Bank, . 
15 " First National Bank, Adams, 
10 " Agricultural National Bank, 
12 " Third National Bank, Pittsfield, 
8 " Adams National Bank, 

Personal loans secured, 



10,000. 00 
7,500 00 
1,500 00 
1,000 00 
1,200 00 
800 00 



13,000 00 
12,000 00 
2,100 00 
2,000 00 
1,500 00 
1,200 00 
3,000 00 



Summary of Assets, Dec. 31, 1883 

Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, 
Cash deposited in bank, .... 
Premiums in course of collection (net), 
Interest due and accrued, .... 
Gross assets, 

Liabilities. 
Losses and claims adjusted, but not due, . 
Claimed and reported losses, not adjusted, . 
Unearned premiums on outstanding risks, . 
Dividends of profits due on terminated poli- 
cies, ........ 

State and local taxes due or accrued, . 

Gross liabilities, 

Surplus, . ' . $36,977 63 





$70,635 00 


1, 1883. 




$70,635 00 




299 71 




293 86 




310 92 




351 68 






$71,921 17 




|3,17() 00 




75 00 




31,522 99 




150 00 




25 55 






34,943 54 





Income. 

Gross cash premiums received during the 

year, . . 

Deduct return premiums, ■ 
Net cash premiums received, 
Keceived for interest from all sources, 
Deposit notes received during the year, 

Gross cash income, .... 



$14,656 56 
534 39 



$43,969 68 



,122 17 
3,879 78. 



$18,001 95- 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 



$4,176 30 

1,398 54 

1,566 51 

165 96 

5,297 53 

250 00 

737 92 



Gross cash expenditures, 



$13,592 76 



1883.] 



INSURANCE COMPANIES. 



11 



Miscellaneous. 

Risks outstanding Dec. 31, 1882, . 

Risks written during 1883, .... 

Total, . . . . . 
Risks terminated during 1883, 



K/777,117 00 
1,111,350 00 



$5,888,467 00 
1,103,130 00 



Net amount in force Dec. 31, 1883, $4,785,337 00 

Deposit notes received on outstanding risks, . . . 188,834 00 

Losses incurred during the year, 7,421 30 

Percentage of profits or surplus returned during 1883, 39 per cent. 
Average rate to date, 50 per cent. 



BOSTON MANUFACTURERS 1 MUTUAL FIRE INSURANCE 
COMPANY, BOSTON. 

[Incorporated March 15, 1850. Commenced business Oct. 14, 1850.] 

Edward Atkinson, President. Wm. B. Whiting, Secretary.. 

Office, 131 Devonshire Street. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 

Phil., Wil. and Baltimore Railroad bonds, . 
Chicago, Burl, and Quincy Railroad bonds, 
New York Central Railroad bonds, . 
Union Pacific Railroad bonds, 
Burlington and Mo. Riv. Railroad bonds, . 
Kansas City, Lawrence and So. R. R. bonds, 
Eastern Railroad bonds, .... 
Michigan Central Railroad bonds, 



Par value. 

$230,000 00 
40,000 00 
50,000 00 
50,000 00 
30,000 00 
30,000 00 
20,000 00 
20,000 00 
30,000 00 



Market value. 

$289,900 00 
41,200 00 
42,500 00 
51,625 00 
33,900 00 
33,900 00 
21,200 00 
22,000 00 
31,650 00 



$500,000 00 $567,875 00 



Summary of Assets, Dec. 31, 1883. 



Stocks, bonds, etc , as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, . 

Gross assets, .... 



Liabilities. 

Claimed and reported losses, not adjusted, 
Unearned premiums on outstanding risks, 
State and local taxes, due or accrued, 
Gross liabilities, .... 



Surplus, 



$567,875 00 

167 69 

32,955 34 

7,257 79 



$60,819 56 

279,521 59 

1,172 11 



,255 82 



341,513 26 
f266,742 56 



12 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 
-Gross cash premiums received during the 

year, 

Deduct return premiums, 
Net cash premiums received, 
Received for interest from all sources, 
Deposit notes received during the year, 

Gross cash income, 



$578,592 61 
22,078 03 



$2,892,963 05 



$556,514 58 
34,162 67 

$590,677 25 



Expenditures. 
Paid for losses during the year, .... 

for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, . 

for incidental expenses, .... 



for premiums on bonds purchased, 
Gross cash expenditures, 



$16,022 54 



Miscellaneous. 

Risks outstanding Dec. 31, 1882, . . $61,433,253 00 
Risks written during 1883, . . . 69,787,776 00 

Total, . .... 

.Risks terminated during 1833, 



$125,468 12 

28,596 34 

5,540 15 

332,790 78 

2,350 00 

6,715 39 

$501,460 78 



■$131,221,029 00 
. 63,796,997 00 



Net amount in force Dec. 31, 1883, .... .$67,424,032 00 
Deposit notes received on outstanding risks, . . . 2,795,215 85 

X«osses incurred during the year, 123,137 86 

Percentage of profits or surplus returned during 18S3, 65^% per cent. 
Average rate to date, 67 T 2 Q°g- per cent. 



BRISTOL COUNTY MUTUAL FIRE INSURANCE COMPANY, 

NEW BEDFORD. 

[Incorporated Feb. 13, 1829. Commenced business July 4, 1829.] 

Jonathan Bourne, President. Geo. N. Alden, Secretary, 

[Note. — Policies are all issued for seven years. The premium is 
secured by notes assessable as required, and five per cent, on the notes 
is received in cash when the policy is issued.] 

Cash in the office of the company, 

Cash deposited in Mechanics 1 Nat'l Bank, . 

Premiums in course of collection (net), 

Gross assets,. $714 48 



$22 


31 


487 


20 


204 


97 



1883.] 



INSURANCE COMPANIES. 



1& 



Liabilities. 

Owing for borrowed money, . . . $2,100 00 

State and local taxes, due or accrued, . 4 67 

Gross liabilities, 

Income 

Gross cash premiums received during the 

year, $3,241 20 

Deduct return premiums, .... 51 42 

Net cash premiums received, . . . 

Deposit notes received during the year, . $64,350 00 

Gross cash income, 

Expenditures. 

Paid for losses during the year, . 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for interest on borrowed money, 

for State and local taxes, 

for incidental expenses, 

Gross cash expenditures, 

Miscellaneous. 

Risks outstanding Dec. 31, 1882, . 

Risks written during 1883, .... 

Total, 

Risks terminated during 1883, 

Net amount in force Dec. 31, 1883, 
Deposit notes received on outstanding risks, 
Losses incurred during the year, 



^2,104 67 



1,189 78- 



)3,189 78 



. 




$1,272 71 


• . . 




149 31 


fees, . 




1,625 00 


• . • 




96 31 


... 




33 52 


• 




204 67 


» 


$3,381 52 


,019,656 00 






498,950 00 






. 


$4 


,518,606 00 
587,075 00 


• . 


So 


,931,531 00 

496,151 00- 

1,272 71 



CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY, 

CAMBRIDGE. 

[Incorporated March 13, 1833. Commenced business Jan. 1, 1834.] 

Josiah W. Cook, President. Alfred L. BakbouR, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

5 shares Cambridgeport National Bank, . $500 00 $750 00 

1 share Framingham National Bank, . 100 0'J 150 00* 

15 shares National City Bank, Cambridge, . 1,500 00 2,250 00- 

10 " First AVardNat'l Bank, Boston, . 1,000 00 1,200 00 

Cambridge city bonds, .... 4,000 00 4,500 00 

Eastern Railroad bonds, .... 1,50000 1,68750 

Bath city bonds, 5,000 00 5,150 00 



14 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Cincinnati city bonds, 
Portland city bonds, 
Belfast city bonds, 
Bangor city bonds, 
Rockland city bonds, 
Haverhill city bonds, 
Toledo city bonds, 
Chicago city bonds, 
Marion County bonds, 
Highland Railway bonds, 



$6,000 00 
10,000 00 
2,000 00 
3,000 00 
3,000 00 
1,000 00 
3,000 00 
2,000 00 
1,000 00 
4,000 00 



$7,800 00 
12,000 00 
2,010 00 
3,450 00 
3,000 00 
1,110 00 
3,182 50 
2,400 00 
1,050 00 
4,410 00 



$18,600 00 $56,130 00 



Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

160 shares Marietta and No. Georgia R'wy, $1,000 00 

Mortgage bonds, . . k . . . . 6,000 00 

Personal loans - 10,000 00 



1,000 00 



$16,000 00 



Summary of Assets, Dec. 
Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in various banks, 
Premiums in course of collection (net), 
Interest due and accrued, .... 
Office furniture, safes, etc., . . $2,000 00 
Gross assets, * . . 

Liabilities. 
Unearned premiums on outstanding risks, . 
Dividends of profits due on terminated poli- 
cies, 

Rents, salaries and incidental expenses, 
Gross liabilities, 

Surplus, ...... 

Income. 

Gross cash premiums received during the 

year, . . . . 
Deduct return premiums, . 
Net cash premiums received, 
Received for interest on mortgages, . 

for interest from all other sources, 
for rents, .... 
Deposit notes received during the year, 

Gross cash income, 



31, 1883. 

$5,800 00 

45,683 00 

56,130 00 

16,000 00 

594 41 

10,537 12 

1,221 48 

2,944 00 



$138,910 01 



,227 86 



329 15 

817 50 


41,374 51 




• • t 


$97,535 50 



$20,645 62 
1,217 68 


$19,427 94 

2,208 99 

4,366 35 

526 46 


$11,229 44 


. • i 


$26,529 74 



1883.] 



INSURANCE COMPANIES. 



15 





|3,270 


93 




1,875 


00 




3,476 


98 




326 


83 




9,602 09 




550 00 




1,240 


58 




$20,342 41 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, . . . 

Gross cash expenditures, .... 



Miscellaneous. 

Risks outstanding Dec. 31, 1882, . . . $5,458,025 00 

Risks written during 1883, . . . . 1,610,568 00 

Total, $7,068,593 00 

Risks terminated during 1883, . . . . . . 1,482,510 00 

Net amount in force Dec. 31, 1883, 5,586,083 00 

Deposit notes received on outstanding risks, . . . 160,911 44 

Losses incurred during the year, 3,270 93 

Percentage of profits or surplus returned during 1883, 40 and 50 per cent. 



CITIZENS' MUTUAL FIRE INSURANCE COMPANY, 

BOSTON 

[Incorporated April 7, 1846. Commenced business Oct. 5, 1846.] 

H. C. Bigelow, President. J. W. Beabody, Secretary. 

Office, 8 Exchange Place. 
Detailed Statement of Stocks, Bonds, etc. 



30 shares Hide and Leather Nat'l Bank, 
10 " Farmington (N. H.) Nat'l Bank, . 
Mortgage bonds Butchers' S. and M. Ass'n, 
Mortgage bonds Chicago, Burlington and 
Quincy Railroad (Denver extension), 



Securities held as collateral for cash loans : 

25 shares International Trust Company, . 

100 " Chicago, Burlington and Quincy 
Railroad, 

Mexican Central Railroad bonds, first mort- 
gage, 

Personal loans secured, .... 



Par value. 

$3,000 00 
1,000 00 
4,000 00 

6,000 00 



Market value. 

$3,360 00 
1,000 00 
4,000 00 

5,280 00 



$14,000 00 $13,640 00 



Market value. Loaned thereon. 

$2,500 00 $1,500 00 



12,100 00 
5,700 00 



10,000 00 

5,000 00 

49,592 95 

,092 95 



16 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Summary of Assets, Dec 31, 1883. 

Cash value' of unencumbered real estate, . $49,175 00 

Loans on mortgage of real estate (first liens), 91,300 00 

Stocks, bonds, etc., as per schedule, . . 13,640 00 

Loans on collateral security, as per schedule, 66,092 95 

Cash in the office of the company, . . 829 91 

Cash deposited in bank, . . . . 6,118 02 

Premiums in course £>f collection (net), . 5,400 35 

Interest due and accrued, . . . . 1,861 18 

Cash deposited in Pacific National Bank, . 21,900 98 

Gross assets, ...... — 

Liabilities. 

Unearned premiums on outstanding risks, . $142,720 65 

Gross liabilities, . . . . . . 



$256,318 39 



Surplus, 

Income. 

Gross cash premiums received during the 
year, . . 

Deduct return premiums, 

Net cash premiums received, 

Received for interest on mortgages, . 

for interest from all other sources, 
for rents, ..... 

Deposit notes received during the year, 

Gross cash income, .... 



$78,996 45 
3,345 86 



1156,797 50 



Expenditures. 

Paid for losses during the year, 

for brokerage and commissions, . 

for salaries and fees of officers and employees, 

for State and local taxes, . 

for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 
repairs on real estate, ..... 

Gross cash expenditures, 

Miscellaneous. 

Risks outstanding Dec. 31, 1882, . . . $20,593,228 00 
Risks written during 1883, .... 5,993,045 00 



142,720 65 
5113,597 74 



tofioO 59 
4,664 66 
4,335 29 
2,166 72 



,817 26 



$17,872 73 

11,452 58 

6,779 32 

1,834 79 

36,583 99 

806 00 

1,542 04 

830 66 

$77,702 11 



Total, .... 
Risks terminated during 1883, 



-$26,586,27-3 00 
. 5,695,137 00 



Net amount in force Dec. 31, 1883, .... $20,891,13600 
Deposit notes received on outstanding risks, . . . 824,316 02 

Losses incurred during the year, 17,825 98 

Percentage of profits or surplus returned during 1883, 40, 50 and 70 per 



cent. 



1883.] 



INSURANCE COMPANIES. 



17 



COHASSET MUTUAL FIRE INSURANCE COMPANY, COHASSET. 

[Incorporated March 1, 1845. Commenced business March 1, 1846.] 

Martin Lincoln, President. J. Q. A. Lothrop, Secretary. 

Summary of Assets, Dec. 31, 1883. 
9 shares City National Bank, Boston, . 
3 shares Merchants' National Bank, Boston, 
Cash in the office of company, 
Cash deposited in savings banks, 
Premiums in course of collection (net), 
Interest due and accrued, .... 
Office furniture and safe, . -. $120 00 

Gross assets, ...... $3,479 38 



H,017 


00 


401 


25 




84 


2,004 


95 


41 


84 


13 


50 



Liabilities. 
Unearned premiums on outstanding risks, . $2,864 14 
Gross liabilities, 

Surplus, . . . 

Income. 

Gross cash premiums received during the year, 
Received for interest from all sources, .... 

Received from all other sources, 

Deposit notes received during the year, . $4,658 52 

Gross cash income, 



Expenditures. 
Paid for losses during the year, . 

for brokerage and commissions, 
for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 

Gross cash expenditures, 



Miscellaneous. 
Risks outstanding Dec. 31, 1882, 
Risks written during 1883, .... 

Total, ....... 

Risks terminated during 1883, . 



$372,104 00 
75,162 00 



2,864 14 
$615 24 



,174 63 

190 90 

51 76 



$1,417 29 



$104 86 


38 98 


288 50 


11 


58 


464 


15 


40 


00 


55 


25 



$1,003 32 



$447,266 00 
68,924 00 



Net amount in force Dec. 31, 1883, $378,342 00 

Deposit notes received on outstanding risks, . . . 23,040 92 

Losses incurred during the year, 104 86 

Percentage of profits or surplus returned during 1883, 40 per cent. 
Average rate to date, 50 per cent. 



18 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

COTTON AND WOOLEN MANUFACTURERS' MUTUAL IN- 
SURANCE COMPANY OF NEW ENGLAND, BOSTON. 

[Incorporated Oct. 19, 1875. Commenced business Oct. 20, 1875.] 

William C. Plunkett, President. B. F. Taft, Secretary* 

Office, 131 Devonshire Street. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value 

Fitchburg Railroad bonds, .... $16,000 00 $17,680 00 

Sonora Railroad bonds, . . . . 5,000 00 5,100 00 

Boston city bonds, . . . . . 2,000 00 2,140 00 

Corporation notes, ..... - 30,228 02 

Summary of Assets, Dec. 31, 1883 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, 
Cash deposited in bank, , 
Premiums in course of collection (net) , 
Gross assets, 

Liabilities. 
Unearned premiums on outstanding risks, . 
State and local taxes due or accrued, . 

Gross liabilities, 

Surplus, $32,822 51 

Income. 
Gross cash premiums received during the 

year, . $64,046 56 

Deduct return premiums, .... 2,882 09 

Net cash premiums received, . . . $61,164 47 

Received for interest from all sources, . . . . 1,990 92 

Received for rents, , 250 00 

Deposit notes received during the year, . $296,401 63 

Gross cash income, . . . . . . ./■- $63,405 39 

Expenditures. 

Paid for losses during the year, . . . . . $24,321 20 

for salaries and fees of officers and employees, . 4,250 98 

for State and local taxes, . . . . . . 572 32 

for profits or surplus on terminated policies, . . 14,987 33 

for rents 1,000 00 

for incidental expenses 3,511 71 

Gross cash expenditures, $48,643 54 







$55,148 02 


31, 1883. 






$55,148 


02 




192 41 




8,888 


60, 




764 


18 


$64,993 21 






$32,023 28 


- 


147 


42 


32,170 70 







1883.] 



INSURANCE COMPANIES. 



19 



Miscellaneous. 

Risks outstanding Dec. 81, 1882, . . . $4,571,585 00 
Risks written during 1883, . . . . 6,165,768 00 



Total, .... 
Risks terminated during 1883, 



$10,737,353 00 
. 4,482,317 00 



Net amount in force Dec. 31, 1883, $6,255,036 00 

Deposit notes received on outstanding risks, . . . 281,991 00 

Losses incurred during the year, 10,470 04 

Percentage of profits or surplus returned during 1883, 32f per cent. 



DEDHAM MUTUAL FIRE INSURANCE COMPANY, DEDHAM. 

[Incorporated Feb. 22, 1837. Commenced business July 1, 1837.] 

George B. Faunce, President. Elijah Howe, Jr., Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 

Chicago city bonds, 

Cincinnati city bonds, 

New England Mortgage Security bonds, . 
Philadelphia and Reading Railroad bonds, . 
Marquette and Ontonagon Railroad bonds, . 
Old Colony Railroad bonds, 
Union Pacific Railroad bonds, 
12 shares Dedham National Bank, 
20 " Dedham Water Company, . 
Kansas City, St. Joe. and Council Bluffs 

Railroad bonds, 

Atchison, Topeka and Santa Fe R.R. bonds, 
Union Pacific R R. Sinking Fund bonds, . 



Par value. 

$6,000 00 
2,000 00 
6,000 00 
6,000 00 
5,000 00 
8,000 00 
2,000 00 
6,000 00 
1,200 00 
2,000 00 

2,000 00 
5,000 00 
5,000 00 



Summary of Assets, Dec 31, 1883. 



Loans on mortgage of real estate (first liens), 

Stocks, bonds, etc., as per schedule, . 

Cash in the office of the company, 

Cash deposited in bank, 

Premiums in course of collection (net), 

Interest due and accrued, . 

Gross assets .... 



$16,100 00 

63,465 00 

1,662 90 

2,047 47 

878 85 

1,387 69 



Market value 

$6,840 00" 
2,300 00 
7,620 00 
6,090 00 
5,900 00 
9,360 00 
2,350 00' 
6,240 00 
1,440 00 
2,000 00' 

2,350 00 
5,225 00 
5,750 00 



$56,200 00 $63,465 00 



,541 91 



20 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Liabilities. 

Claimed and reported losses not adjusted, . 
Unearned premiums on outstanding risks, . 
Return premiums on cancelled policies, 
Dividends of profits due on terminated poli- 
cies, 

Rents, salaries and incidental expenses, 
Gross liabilities, 

Surplus, 



$74 00 




14,194 15 




80 15 




1,992 96 




425 00 






$16,766 26 





,775 65 



Income. 

Gross cash premiums received during the year, . , 

Received for interest on mortgages, 

Received for interest from all other sources, 

Deposit notes received during the year, . $21,324 60 

Gross cash income, 



|10,644 56 

951 50 

3,708 35 



,304 41 



Expenditures. 

Paid for losses during the year, .... . . $3,699 03 

for brokerage and commissions, . . . . . 1,567 78 

for salaries and fees of officers and employees, . . 1,477 03 

for State and local taxes, 103 85 

for profits or surplus on terminated policies, . . 3,780 32 

for rents, 50 00 

for incidental expenses, ...... 247 06 



Gross cash expenditures, 

Miscellaneous. 
Risks outstanding Dec. 31, 1882, . 
Risks written during 1883, .... 

Total, . . . . . 
Risks terminated during 1883, 



Net amount in force Dec. 31, 1883, $1,800,352 87 

Deposit notes received on outstanding risks, . . . 56,586 94 

Losses incurred during the year, 3,773 03 

Percentage of profits or surplus returned during 1883, 33^ to 50 per 

cent. 

/ 



$1,644,624 62 
747,191 00 


$10,925 07 

$2,391,815 62 
591,462 75 


. 



1883.] 



INSURANCE COMPANIES. 



21 



DORCHESTER MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated February, 1855. Commenced business July 2, 1856.] 

Edmund J. Baker, President. William F. Temple, Secretary. 

Office^ Neponset. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Old Colony Railroad bonds, 
Boston and Lowell Railroad bonds, 
Boston city bonds, 
50 shares Blue Hill National Bank, 
20 " Howard National Bank, 
20 " Continental National Bank 
12 " Hide and Leather National Bank 
10 " New England National Bank, 
30 " Columbian National Bank, 
33 " State National Bank, . 
10 " Mt. Wollaston National Bank, 
5 " Granite National Bank, 
10 " Weymouth National Bank, 
235 " Boston and Albany Railroad, 
140 " Old Colony Railroad, . 
50 " Boston and Maine Railroad, 
1 share Boston and Lowell Railroad, 



Summary of Assets, Dec. 

Cash value of unencumbered real estate, . 
Loans on mortgages of real estate (first liens) , 
Stocks, bonds, etc., as per schedule, . 
Cash deposited in bank, .... 
Premiums in course of collection (net), 
Interest due and accrued, 
Office property, '. . . $1,000 00 
Gross assets, . . ... 

Liabilities. 
Losses and claims adjusted, but not due, . 
Claimed and reported losses, not adjusted, . 
Claims for losses disputed or resisted, 
Unearned premiums on outstanding risks, . 
Salaries and incidental expenses, 

Gross liabilities, ..... 



Par value. 

$25,000 00 

6,000 00 

5,000 00 

5,000 00 

5,000 00 

2,000 00 

2,000 00 

1,200 00 

1,000 00 

3,000 00 

3,300 00 

1,000 00 

500 00 

1,000 00 

23,500 00 

14,000 00 

5,000 00 

500 00 



Market value. 

$28,900 00 

7,020 00 

5,500 00 

5,200 00 

6,000 00 

2,500 00 

2,320 00 

1,344 00 

1,330 00 

3,840 00 

4,224 00 

1,400 00 

650 00 

1,200 00 

41,595 00 

19,260 00 

8,000 00 

550 00 



$104,000 00 $140,833 00 

31, 1883. 

$21,000 00 

27,051 26 

140,833 00 

10,813 32 

8,182 92 

3,615 47 

$211,495 97 



$5,487 00 
3,400 00 

500 00 
80,740 35 

170 00 



90,297 35 



Surplus, $121,198 62 



22 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 

Gross cash premiums received during the 
year, 

Deduct return premiums, 

Net cash premiums received, 

Received for interest on mortgages, . 

for interest from all other sources 
for rents, .... 

Deposit notes received during the year, 

Gross cash income, 



$42,008 01 
989 76 



$41,018 25 



Expenditures. 

Paid for losses during the year, . . . . 
for brokerage and commissions, . 
for salaries and fees of officers and employees, 
for State and local taxes, 
for profits or surplus on terminated policies, 
for rents, . ... 
for incidental expenses, .... 
repairs on real estate, 

Gross cash expenditures, . . 

Miscellaneous. 

Risks outstanding Dec. 31, 1882, . . . $9,906,018 00 
Risks written during 1883, .... 2,881,542 00 



$41,018 25 

1,198 95 

10,631 76 

800 00 



$53,648 96 



$22,676 16 

6,628 20 

4,947 92 

741 22 

12,657 30 

300 00 

722 74 

14 83 

$48,688 37 



Total, .... 
Risks terminated during 1883, 



■$12,787,560 00 
. 2,558,412 00 



Net amount in force Dec. 31, 1883, .... $10,229,148 00 

Deposit notes received on outstanding risks, . . . 161,480 69 

Losses incurred during the year, 26,041 00 

Percentage of profits or surplus returned during 1883, 20, 30 and 50 

per cent. 
Average rate to date, 33 per cent. 



ESSEX MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated 1829. Commenced business 1829.] 

David Moore, President. Charles S. Nichols, Secretary. 



Detailed Statement op Stocks, Bonds, etc. 



20 shares Salem Gas Light Company, 
16 " Lynn Gas Light Company, 
15 " Cambridge Railroad, . 
14 " Salem National Bank, . 
11 " Asiatic National Bank, 
Toledo city bonds, 



Par value. 

12,000 00 
1,600 00 
1,500 00 
1,400 00 
330 00 
2,000 00 



Market value- 

|2,040 00 
1,280 00 
1,250 00 
1,680 00 
462 00 
2,170 00 



1883.] 



INSURANCE COMPANIES. 



23 



Chicago city bonds, 

Cleveland city bonds, . 

Cincinnati city bonds, . 

Springfield city bonds, 

Newburyport city bonds, 

Fall River city bonds, . 

Portland city bonds, . 

Brooklyn city bonds, . 

St. Louis city bonds, . 

Concord city bonds, 

Louisville city bonds, . 

Medford town bonds, . 

St. Louis county bonds, 

Eastern Railroad bonds, 

Northern Pacific Railroad bonds, 

Essex Railroad bonds, . 

Old Colony Railroad bonds, 

Boston and Lowell Railroad bonds, 

Michigan Central Railroad bonds, 

Chic, Burl, and Quincy Railroad bonds, 



Summary of Assets, Dec. 31, 1883 

Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, 
Premiums in course of collection (net), 

Interest accrued, 

Gross assets, 



$2,000 00 


$2,260 00 


2,000 00 


2,270 00 


2,000 00 


2,290 00 


1,000 00 


1,230 00 


1,000 00 


1,110 00 


1,000 00 


1,230 00 


1,000 00 


1,035 00 


1,000 00 


1,240 00 


1,000 00 


1,140 00 


1,000 00 


1,140 00 


1,000 00 


1,020 00 


1,000 00 


1,100 00 


1,000 00 


1,120 00 


2,000 00 


2,210 00 


2,000 00 


2,040 00 


1,500 00 


1,537 50 


2,000 00 


2,380 00 


1,000 00 


1,120 00 


1,000 00 


1,100 00 


2,000 00 


2,300 00 


$36,330 00 


$39,754 50 


51, 1883. 




$800 00 




39,754 50 




657 45 




87 25 




698 33 






$41,997 53 



Liabilities. 
Unearned premiums on outstanding risks, . 
Dividends of profits due on terminated poli- 
cies, 

State and local taxes, due or accrued, 
Salaries and incidental expenses, 

Gross liabilities, 

Surplus, 

Income. 

Gross cash premiums received during the 

year, 

Deduct return premiums, .... 
Net cash premiums received, 
Received for interest on mortgages, . 
Received for interest from all other sources, 
Deposit notes received during the year, 

Gross cash income, .... 



\259 95 



73 67 




6 38 




283 07 






7,623 07 





,374 46 



$3,703 05 




89 19 






$3,613 86 
16 33 


. 


. 


2,300 45 


$11,074 75 





^5,930 64 



24 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Expenditures. 
Paid for losses during the year, . 

for brokerage and commissions, . 

for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, 

for incidental expenses, 

Gross cash expenditures, 

Miscellaneous. 

Risks outstanding Dec. 31, 1882, . 

Risks written during 1883, .... 

Total, 

Risks terminated during 1883, 

Net amount in force Dec. 31, 1883, . . . $780,200 00 

Deposit notes received on outstanding risks, . . . 43,559 67 

Losses incurred during the year, 241 83 

Percentage of profits or surplus returned during 1883, 75 per cent. 
Average rate to date, 60 per cent. 



. 


$241 83 


. 


42 27 


)yees, . 


889 90 


. 


32 59 


ies, 


2,958 22 


. 


43 75 


. 


$4,208 56 


$789,150 00 




202,250 00 






$991,400 00 
211,200 00 


. 



FALL RIVER MANUFACTURERS' MUTUAL FIRE INSURANCE 
COMPANY, FALL RIVER. 

[Incorporated Feb. 17, 1870. Commenced business, May 1, 1870.] 

Stephen Da vol, President. Isaac B. Chace, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 



Old Colony Railroad bonds, 
Fall River city bonds, 
Worcester city bonds, 
Lawrence city bonds, 
Boston city bonds, 
Taunton city bonds, 
United States bonds, 
Corporation notes, 



Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, 
Cash deposited in bank, 
Premiums in course of collection (net) 

Interest accrued, 

Office furniture, .... $500 00 
Gross assets, 



Par value. 


Market value. 


$10,000 00 


$12,400 00 


6,000 00 


7,380 00 


1,000 00 


1,180 00 


5,000 00 


5,900 00 


5,000 00 


5,900 00 


10,000 00 


11,200 00 


30,000 00 


36,000 00 


. 


88,000 00 




$167,960 00 


EC. 31, 1883. 




. $167,960 00 




357 83 




7,282 11 




841 86 




1,933 95 




D 


$178,375 75 



1883.] 



INSURANCE COMPANIES. 



25 



Liabilities. 

Claimed and reported losses, not adjusted, . $19,000 00 

Unearned premiums on outstanding risks, . 75,370 54 

State and local taxes, due or accrued, . 314 83 

Gross liabilities, 



$94,685 37 



Surplus, $83,690 38 



Income. 

Gross cash premiums reeeived during the 

year, 

Deduct return premiums, . 
Net cash premiums received, 
Received for interest from all sources, 
Deposit notes received during the year, 

Gross cash income, 



$156,720 36 
8,046 75 



$783,601 80 



$148,673 61 
6,309 45 



$154,983 06 



Expenditures. 

Paid for losses during the year, .... 

for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, . . . . 

Gross cash expenditures, . 



$58,852 29 

4,309 92 

1,488 54 

74,159 26 

276 00 

2,083 58 

$141,169 59 



Miscellaneous. 



Risks outstanding Dec. 31, 1882, 
Risks written during 1883, . 
Total, .... 
Risks terminated during 1883, 



. $14,510,609 79 
. 17,222,083 07 



-$31,732,692 86 
. 15,359,329 29 



Net amount in force Dec 31, 1883, .... $16,373,36357 

Deposit notes received on outstanding risks, . . . 753,705 35 

Losses incurred during the year, 31,879 71 

Percentage of profits or surplus returned during 1883, 53 T 7 /o per cent. 
Average rate to date, 52 T 8 o\ per cent. 



26 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



FITCHBURG MUTUAL FIRE INSURANCE COMPANY, 

FITCHBURG. 

[Incorporated March 23, 1847. Commenced business Sept. 1, 1847.] 

L. H. Bradford, President. E. P. Downe, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



Agricultural Branch Railroad bonds, . 

8 shares Lancaster National Bank, Clinton, 



Par value. 


Market value. 


$6,000 00 


$6,200 00 


800 00 


1,200 00 



1,800 00 $7,400 00 



Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

12 shares N. E. Telephone and Tel. Co., . $600 00 $1,000 00 

150 " Simonds Manufacturing Co., . 22,500 00 13,800 00 

70 " Lowell and Framingham R.R., . 3,500 00 3,200 00 

100 " C. N. Nelson Lumber Co., . . 5,000 00 5,000 00 

H. A. Pitts & Sons' Manufacturing Co., . 4,013 75 3,432 44 

Personal loans, secured, .... - 113,820 83 



Summary of Assets, Dec. 
Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the ofiQce of the company, 
Cash deposited in bank, .... 
Premiums in course of collection (net), 
Interest due and accrued, .... 
Gross assets, 

Liabilities. 

Losses and claims adjusted, but not due, . 
Claimed and reported losses, not adjusted, 
Claims for losses disputed or resisted, 
Unearned premiums on outstanding risks, . 
Dividends of profits due on terminated poli- 
cies, 

State and local taxes, due or accrued, 
Rents, salaries and incidental expenses, 
Gross liabilities, 



Surplus,. $114,612 84 





$140,253 27 


31, 1883. 




$10,768 00 




82,668 34 




7,400 00 




140,253 27 




1,212 46 




5,975 07 




6,470 72 




3,096 22 






$257,844 08 


$2,836 50 


4,211 77 




1,800 00 




130,281 64 




3,351 00 




329 18 




421 15 






143,231 24 





1883.] 



INSURANCE COMPANIES. 



27 



Income. 
Gross cash premiums received during the 

year, . 

Received for interest and rent, . 
Deposit notes received during the year, 

Gross cash income, 



$102,694 44 



$103,051 69 
15,648 14 



$118,699 83 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employees, 
for State and local taxes, . 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 

Gross cash expenditures, .... 



$77,936 19 

14,771 68 

5,164 50 

971 74 

30,150 89 

600 00 

2,208 83 



$131,803 83 



Miscellaneous. 

Hisks outstanding Dec. 31, 1882, . . . $16,212,516 00 
Risks written during 1883, . . . . 6,519,22100 

Total, $22,731,737 00 

Risks terminated during 1883, 5,533,689 00 



Net amount in force Dec. 31, 1883, .... $17,198,048 00 

Deposit notes received on outstanding risks, . . . 260,563 27 
Losses incurred during the year, . . . . . . 78,299 46 

Percentage of profits or surplus returned during 1883, 20 to 50 per cent. 



FRANKLIN MUTUAL FIRE INSURANCE COMPANY, 
GREENFIELD. 

[Incorporated Feb. 11, 1828. Commenced business Sept. 29, 1829.] 

Rufus Howland, President. Gorham D. Williams, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

Vermont and Massachusetts bonds of Fitch- 
burg Railroad, $11,000 00 |12,100 00 

50 shares Greenfield Gas Light Company, . 2,500 00 2,500 00 

17 shares Shelburne Falls National Bank, . 1,700 00 2,380 00 



$15,200 00 $16,980 00 



28 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Summary of Assets, Dec. 31, 1883. 
Loans on mortgage of real estate (first liens) , 
Stocks and bonds, as per schedule, 
Loans on personal security, 
Cash in the office of the company, 
Cash deposited in bank, .... 
Premiums in course of collection (net), 

Interest accrued, 

Office furniture, .... $500 00 
Gross assets, 

Liabilities. 

Claimed and reported losses, not adjusted, . 
Owing for borrowed money, 
Unearned premiums on outstanding risks, . 
Dividends of profits due on terminated poli- 
cies, 

State and local taxes, due or accrued, 
Salaries and incidental expenses, 

Gross liabilities, 

Surplus, 



$300 00 




16,980 00 




270 31 




233 77 




2,629 65 




1,008 25 




197 00 






$21,618 98 




$20 00 




* 1,600 00 




13,920 64 




83 87 




7 30 




429 04 






16,060 85 





1,558 ia 



Income. 

Gross cash premiums received during the 

year, 

Deduct return premiums, .... 
Net cash premiums received, 
Received for interest on mortgages, . 
Received for interest from all other sources, 
Deposit notes received during the year, 

Gross cash income 



$3,608 84 




182 89 






$3,425 95 




• 


12 79 


• . 


869 55 


$10,826 52 





L,308 29 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employees, 
for interest on borrowed money, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 

Gross cash expenditures, .... 



$3,922 


54 


347 


12 


572 


92 


11 


78 


35 


97 


1,142 


03 


127 


50 


223 


55 



1,383 41 



* Paid eince Jan. 1, 1884. 



1883.] 



INSURANCE COMPANIES. 



29 



Miscellaneous. 
Risks outstanding Dec 31,1882,. . .$2,349,334 00 



Risks written during 1883, . 

Total, . 
Risks terminated during 1883, 



306,439 50 



12,655,773 50 
323,182 00 



Net amount in force Dec. 31, 1883, $2,332,591 50 

Deposit notes received on outstanding risks, . . . 85,523 84 

Losses incurred during the year, 3,570 73 

Percentage of profits or surplus returned during 1883, 25 and 40 per 
cent. 



GROVELAND MUTUAL FIRE INSURANCE COMPANY, 

GROVELAND. 

[Incorporated MarGh 28, 1828. Commenced business, March 28, 1828.] 

Moses Foster, President. N. H. Griffith, Secretary. 

[Note. — This company charges no cash premium, but relies upon 
assessments upon deposit notes to pay losses and expenses.] 



Summary of Assets, Dec. 31, 1883. 
Cash in the office of the company, .... 



Gross cash income, 

Expenditures. 
Paid for losses during the year, .... 

for salaries and fees of officers and employees, 
for interest on borrowed money, 
for State and local taxes, ... 

for rents, 

for incidental expenses, . . ... 

Gross cash expenditures, . , . . . 



$28 02 



Gross assets, ...... 


• 


• 


$28 02 


Liabilities. 








Owing for borrowed money, 
Gross liabilities 


$2,150 


00 


$2,150 00 


Income. 






Received from assessments on deposit notes, 
from borrowed money, 
from policy fees, .... 

Deposit notes received during the year, 


$19,522 


05 


$389 19 
250 00 
324 00 



$963 19 



$218 68 


613 73 


120 40 


3 77 


25 00 


12 89 



47 



30 MASSACHUSETTS MUTUAL FIRE [Dec. 31 „ 

Miscellaneous. 

Risks outstanding Dec. 31, 1882, . . $1,438,604 00 

Risks written during 1883, . . . . 302,772 00 

Total $1,741,376 00 

Risks terminated during 1883, 260,780 00 



Net amount in force Dec. 31, 1883, $1,480,596 00 

Deposit notes received on outstanding risks, . . . 87,285 58 

Losses incurred during the year, 218 68 

Assessments laid on deposit notes, 389 19. 



Par value. 


Market valuer 


$6,300 00 


$10,395 00 


2,000 00 


3,400 00 


2,200 00 


2,640 00 


5,000 00 


4,700 00 


$15,500 00 


$21,135 oa 



HAMPSHIRE MUTUAL FIRE INSURANCE COMPANY,, 
NORTHAMPTON. 

[Incorporated March 6, 1830. Commenced business, July 1, 1832.] 

George W. Hubbard, President. Oliver Walker, Secretary^ 

Detailed Statement of Stocks, Bonds, etc. 

63 shares Connecticut River Railroad, 
20 " Northampton National Bank, 
22 " Chicago, Burl, and Quincy R. R. . 
Kansas Pacific Railroad consols, 



Summary of Assets, Dec. 31, 1883. 

Loans on mortgage of real estate, (first liens), $26,168 97 

Stocks, bonds, etc., as per schedule, 

Cash in the office of the company, 

Cash deposited in bank, .... 

Interest accrued, 

Office furniture, . '. . . $500 00 
Gross assets, . . . . . . 

Liabilities. 

Claimed and reported losses not adjusted, . 
Unearned premiums on outstanding risks, . 
Dividends of profits due on terminated 

policies, 

State and local taxes, due or accrued, 

Gross liabilities, 

Surplus, 



21,135 00 




185 40 




3,749 67 




531 27 






$51,770 31 




$400 00 




23,066 32 




135 48 




20 73 






23,622 53 




... 


$28,147 78 



1883.] 



INSURANCE COMPANIES. 



31 



Income. 

Gross cash premiums received during the 

year, 

Deduct return premiums, .... 
Net cash premiums received, 
Received for interest on mortgages, . 
Received for interest from all other sources, 
Deposit notes received during the year, 

Gross cash income, .... 



$11,815 02 

287 00 



$35,445 06 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 
for State aud local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 

Gross cash expenditures, 



Miscellaneous. 

Risks outstanding Dec. 31, 1882, . . ! 

Risks written during 1883, .... 

Total, ■ 

Risks terminated during 1883, . 



1,453,987 00 
967,640 00 



$11,528 02 
1,290 19 
1,343 56 

$14,161 77 



$5,930 45 

1,118 81 

1,459 00 

107 91 

4,250 58 

150 00 

353 45 

$13,370 20 



c ,421,627 00 
884,135 00 



Net amount in force Dec. 31, 1883, $3,537,492 00 

Deposit notes received on outstanding risks, . . . 138,142 48 
Losses incurred during the year, .... 5,055 45 

Percentage of profits or surplus returned during 1883, 40 per cent. 
Average rate to date, 40 per cent. 



HINGHAM MUTUAL FIRE INSURANCE COMPANY, 

HINGHAM. 

[Incorporated March 4, 1826. Commenced business Sept. 1, 1826.J 

Amos Bates, President. Henry W. Cushing-, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 

Maine State bonds, 

Portland city bonds, 

Hingham Water Company's bonds, 

Plymouth water scrip, . 

57 shares Hingham National Bank, 



Par value. 

$10,000 00 
11,000 00 
3,000 00 
5,000 00 
4,000 00 
3,990 00 



Market value. 

$11,487 50 
12,347 50 
3,540 00 
5,000 00 
4,000 00« 
3,990 00 



32 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



60 shares Old Colony Nat'l B'k, Plymouth, 
15 " Abington Nat'l Bank, Abington, . 

10 " Globe National Bank, Boston, 

19 " Hamilton National Bank, Boston, 
29 " Eagle National Bank, Boston, 
12 " Union National Bank, Boston, 
34 " State National Bank, Boston, 
26 " North America Nat'l B'k, Boston 

11 " Commerce Nat'l Bank, Boston, 
45 " Webster National Bank, Boston, 
50 " Hingham Water Company, . 

92 " Old Colony Railroad, . 

84 " Boston and Albany Railroad, 

Boston and Albany Railroad bonds, . 

Boston and Lowell Railroad bonds, . 

Boston and Maine Railroad bonds, 

Eastern Railroad bonds, 

Union Pacific Railroad bonds, 

Chicago, Burl, and Quincy Railroad bonds, 

Chicago Sewerage Commission bond, 



Summary of Assets, Dec. 

Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens) , 
Stocks, bonds, etc., as per schedule, . 
Loan to town of Hull, .... 
Cash in the office of the company, 
Cash deposited in bank, 
Premiums in course of collection (net), 
Interest due and accrued, . ... 
Gross assets, 

Liabilities. 

Claimed and reported losses, not adjusted, 
Unearned premiums on outstanding risks, 
State and local taxes, due or accrued, 
Salaries and incidental expenses, 
Gross liabilities, . 



Surplus, 



$6,000 00 
1,500 00 
1,000 00 
1,900 00 
2,900 00 
1,200 00 
3,400 00 
2,600 00 
1,100 00 
4,500 00 
5,000 00 
9,200 00 
8,400 00 
5,000 00 
10,000 00 
10,000 00 
5,000 00 
5,000 00 
5,000 00 
1,000 00 



$8,760 00 

1,890 00 

1,030 00 

2,242 00 

3,171 87 

1,710 00 

4,386 00 

2,808 00 

1,273 25 

4,927 50 

5,000 00 

12,834 00 

14,742 00 

6,100 00 

11,525 00 

12,400 00 

5,556 25 

5,712 50 

6,400 00 

1,000 00 



$126,690 00 $153,833 37 

31, 1883. 

$9,500 00 

152,950 00 

153,833 37 

3,500 00 

75 94 

8,968 24 

640 66 

9,663 36 



$350 00 

184,249 42 

87 42 

118 00 



$339,131 57 



184,804 84 



$154,326 73 



Income. 

Gross cash premiums received during the 

year, 

Received for interest on mortgages, . 

for interest from all other sources, 
for rents, .... 
Deposit notes received during the year, 

Gross cash income, 



,518 04 



$49,472 


44 


7,247 


02 


9,719 


68 


351 


00 


$66,790 


14 



1883.] 



INSURANCE COMPANIES. 



33 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for incidental expenses, .... 
for repairs on real estate, .... 

Gross cash expenditures, . . . 



Miscellaneous. 

Risks outstanding Dec. 31, 1882, . . . $21,531,997 00 
Risks written during 1883, .... 3,252,713 00 





$21,147 


46 




6,971 


87 




3,633 


44 




587 


21 




31,743 


48 




673 


73 




191 


92 



,949 11 



Total, .... 
Risks terminated during 1883, 



424,784,710 00 
2,767,864 00 



Net amount in force Dec. 31, 1883, . . . $22,016,846 00 

Deposit notes received on outstanding risks, . . . 646,658 13 
Losses incurred during the year, ..... 21,141 96 
Percentage of profits or surplus returned during 1883, 65 per cent. 
Average rate to date, 75 per cent. 



HOLYOKE MUTUAL FIRE INSURANCE COMPANY, 

SALEM, 

[Incorporated March 14, 1843. Commenced business May 23, 1843.] 

Alfred A. Abbott, President. Thomas H. Johnson, Secretary. 

Guaranty Capital $100,000. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Massachusetts state bonds, . 
New Hampshire state bonds, 
Marion County (Ind.) bonds, 
Boston (Mass.) city bonds, . 
Cincinnati (O.) city bonds, . 
Cleveland (O.) city bonds, . 
Chicago (111.) city bonds, . 
Chelsea (Mass.) city bonds, 
Cambridge (Mass.) city bonds, 
Evansville (Ind.) city bonds, 
Hartford (Conn.) city bonds, 
Jeffersonville (Ind.) city bonds, 
Jacksonville (Til.) city bonds, 



Par value. 
$40,000 00 
4,000 00 
4,000 00 
5,000 00 
5,000 00 

11,000 00 
5,000 00 
8,000 00 

17,000 00 

10,000 00 
5,000 00 

10,000 00 
7,000 00 
5,000 00 



Market value. 
$49,950 00 
4,520 00 
4,880 00 
5,750 00 
5,225 00 

13,400 00 
5,750 00 
9,340 00 

19,550 00 

10,000 00 
5,000 00 

11,400 00 
7,700 00 
5,150 00 



34 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Lawrence (Mass.) city bonds, 

Lynn (Mass.) city bonds, . 

Lowell (Mass.) city bonds, . 

Milwaukee (Wis.) city bonds, 

Minneapolis (Minn.) city bonds, 

Portland (Me.) city bonds, . 

St. Louis (Mo.) city bonds, . 

Salem (Mass.) city bonds, . 

Delaware and Hudson Canal Co. bonds, 

Baltimore and Ohio Railroad bonds, . 

Chesapeake and Ohio Railroad bonds, 

Chicago, Burl, and Quincy Railroad bonds 

Chicago and Alton Railroad bonds, 

Chicago and Eastern Illinois R. R. bonds, 

Central Pacific Railroad land grant bonds 

Central Pacific R. R. first mortgage bonds 

Central New Jersey Railroad bonds, . 

Denver, S. Pk. and Pacific R. R. bonds, 

Eastern Railroad bonds, 

Jackson, Lang, and Saginaw R. R. bonds, 

Lehigh Valley Railroad bonds, . 

New York and New England R. R. bonds, 

Scioto Valley Railroad bonds, 

Terre Haute and So. Eastern R. R. bonds, 

Union Pacific Railroad bonds, 

Canada and Vermont Railroad bonds, 

31 shares Old Colony Railroad, 

50 
100 

40 

10 

35 

41 
140 

30 

50 

15 

50 

30 
100 

30 
100 

40 



10 
20 
25 



Portland, Ports, and Saco R. R. 
Pitts., Ft. Wayne and Chic. R.R. 
National Exchange B'k, Salem, 
First National Bank, Salem, 
Mercantile Nat'l Bank, Salem, 
Naumkeag Nat'l Bank, Salem, 
Salem National Bank, Salem, 
Atlantic National Bank, Boston 
Nat'l Bank of Republic, Boston 
Blackstone Nat'l Bank, Boston, 
Freeman's Nat'l Bank, Boston, 
Globe National Bank, Boston, 
Merchants' Nat'l Bank, Boston, 
National Revere Bank, Boston, 
Second National Bank, Boston, 
Shoe and Leather Nat'l Bank 

Boston, . 
Beverly Nat'l Bank, Beverly, 
So. Danvers Nat'l B'k, Peabody 
First Nat'l Bank, Newburyport 



$5,000 00 
5,000 00 
4,000 00 
7,500 00 
5,000 00 
5,000 00 

15,000 00 

10,000 00 
5,000 00 

10,000 00 

10,000 00 

16,500 00 
5,000 00 
5,000 00 

10,000 00 
7,000 00 
6,000 00 
7,000 00 

10,000 00 
6,000 00 
5,000 00 

10,000 00 
6,000 00 
5,000 00 

15,000 00- 
2,000 00 
3,100 00 
5,000 00 

10,000 00 
4,000 00 
1,000 00 
3,500 00 
4,100 00 

14,000 00 
3,000 00 
5,000 00 
1,500 00 
5,000 00 
3,000 00 

10,000 00 
3,000 00 

10,000 00 

4,000 00 
1,000 00 
2,000 00 
2,500 00 



$5,900 00 
5,000 00 
4,480 00 
8,250 00 
6,250 00 
5,200 00 

16,300 00 

11,350 00 
6,325 00 

11,400 00 

11,000 00 

18,975 00 
5,725 00 
4,900 00 

10,400 00 
8,015 00 
6,732 50 
6,650 00 

11,000 00 
6,900 00 
6,125 00 
9,840 00 
5,520 00 
5,150 00 

17,550 00 
1,250 00 
4,293 50 
5,750 00 

13,250 00 
4.800 00 
1,220 CO 
4,200 00 
6,150 00 

16,800 00 
4,635 00 
6,450 00 
1,515 00 
5,937 50 
3,090 00 

13,375 00 
3,547 50 

15,325 00 

3,800 00 
1,280 00 
3,000 00 
3,125 00 



$427,700 00 $495,446 00 



1883.] 



INSURANCE COMPANIES. 



35 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $10,000 00 

Loans on mortgage of real estate (first liens), 36,000 00 

Stocks, bonds, etc., as per schedule, . . 495,446 00 

Cash in the office of the company, . . 2,302 34 

Cash deposited in bank, .... 4,957 88 

Premiums in course of collection (net), . 799 07 

Interest due and accrued, .... 5,612 29 

Rent due, 37 50 

Gross assets, 

Liabilities. 

Losses and claims adjusted, but not due, . $1,300 00 

Claimed and reported losses, not adjusted, 4,100 00 

Unearned premiums on outstanding risks, , 137,630 73 

Gross liabilities, 



$585,155 08 



143,030 73 



Surplus, $442,124 35 



Income. 

Gross cash premiums received during the 

year, . . $81,380 42 

Deduct return premiums, . . . . 1,879 49 

Net cash premiums received, . . . — 

Received for interest on mortgages, 

for interest from all other sources, 

for rents 

Deposit notes received during the year, . $80,138 56 

Gross cash income, 



$79,500 93 

1,587 58 

25,220 26 

2,775 64 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for incidental expenses, . . 
for dividends on guaranty capital, 

Gross cash expenditures, .... 



$109,084 41 



$30,506 25 
12,066 99 
9,081 00 
1,011 52 
28,495 71 
2,713 17 
7,000 00 



,874 64 



Miscellaneous. 

Risks outstanding Dec. 31, 1882, . . . $20,012,252 00 
Risks written during, 1883, .... 6,233,206 00 

Total, $26,245,458 00 

Risks terminated during 1883, 6,167,934 00 



Net amount in force Dec. 31, 1883, 



$20,077,524 00 



36 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Deposit notes received on outstanding risks, . . . $274,871 93 

Losses incurred during the year, 35,906 25 

Whole amount of net profits reserved for the security of 

the insured, $85,531 08 

Rate of interest actually realized upon the investments of guaranty 

capital, 5 T 8 ff 5 o per cent. 



LOWELL MUTUAL FIRE INSURANCE COMPANY, 

LOWELL. 

[Incorporated March 6, 1832. Commenced business April, 1832.] 

J. C. Abbott, President. E. T. Abbott, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Boston, Concord and Montreal R. R. bonds, 
Lowell and Lawrence Railroad bonds, 
Boston and Lowell Railroad bonds, . 
Edwardsville town bond, .... 
50 shares Franklin Company, 

6 " Vermont and Massachusetts R. R., 

5 " Merrimack Manuf 'g Company, . 

9 " Lowell Manufacturing Company, 

5 " Appleton Company, 
30 " Hill Manufacturing Company, . 

5 " Massachusetts Cotton Mill, . 
Consolidated R. R. Co. of Vermont bond, . 

117,810 00 $51,558 25 

Summary op Assets, Dec. 31, 1883. 

Loans on mortgage of real estate (first liens), $11,450 00 

Stocks, bonds, etc., as per schedule, . . 51,558 25 

Cash deposited in bank, .... 4,498 34 

Premiums in course of collection (net), . 573 02 

Interest due and accrued, .... 629 49 

Gross assets, $68,709 10 

Liabilities. 

Unearned premiums on outstanding risks, $>fe5,136 37 

Gross liabilities, 15,136 37 

Surplus, . . £53,572 73 



Par value. 


Market value. 


#6,000 00 


$6,360 00 


4,000 00 


4,400 00 


6,000 00 


6,715 00 


1,000 00 


1,000 00 


5,000 00 


4,975 00 


600 00 


799 50 


5,000 00 


6,500 00 


6,210 00 


5,670 00 


5,000 00 


6,000 00 


3,000 00 


2,700 00 


5,000 00 


5,812 50 


1,000 00 


626 25 



1883.] 



INSURANCE COMPANIES. 



37 



Income. 

Gross cash premiums received during the 

year $11,320 18 

Deduct return premiums, .... 99 12 

Net cash premiums received, . . . 

Received for interest on mortgages, 

for interest from all other sources, 

for rents, 

from profit on bonds sold, 

Deposit notes received during the year, . $19,496 00 

Gross cash income, 

Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 

Embezzled by former secretary, .... 

Gross cash expenditures, .... 



Miscellaneous. 

Risks outstanding Dec. 31, 1882, . 
Risks written during 1883, . . 

Total, 

Risks terminated during 1883, 



1,220,585 00 
877,710 00 



$11,221 06 

678 00 

3,847 55 

150 00 

384 13 

$16,280 74 



$2,100 53 

197 12 

2,817 03 

96 27 

3,987 07 

225 00 

799 58 

2,574 37 

$12,796 97 



$3,098,295 00 
680,870 00 



Net amount in force Dec. 31, 1883 $2,417,425 00 

Deposit notes received on outstanding risks, . . . 59,972 48 

Losses incurred during the year, 2,100 53 

Percentage of profits or surplus returned during 1883, 40 and 50 per cent. 



LYNN MUTUAL FIRE INSURANCE COMPANY, LYNN. 

[Incorporated Feb. 20, 1828. Commenced business Aug. 1, 1828.] 

Thomas B. Newhall, President. Wm. F. Johnson, Secretary. 

[Note. — Risks taken only in Lynn, Saugus, Lynnfield, Swampscott 
and Nahant.] 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

52 shares First National Bank, Lynn, . . $5,200 00 $6,240 00 

20 " National City Bank, Lynn, . . 2,000 00 3,300 00 

5 " Central National Bank, Lynn, . 500 00 750 00 

10 " Merchants' Nat'l Bank, Boston, . 1,000 00 1,340 00 



38 



MASSACHUSETTS MUTUAL FIRE [Dec. 31 



Somerville city bond, .... 

Chicago city bond, .... 

Cedar Rapids and Missouri River R.R. bond 

Cambridge city bonds, 

United States bonds, .... 

Revere Beach Railroad bonds, 

St. Louis city bonds, 

Ind'polis, Decatur and Springf 'Id R.R. bond 

Ohio and West Virginia Railroad bond, 

Burlington city bond, .... 

Chicago, Milwaukee and St. Paul R.R. bond. 

South Pacific Railroad bond, 

Atchison, Topeka and Santa Fe R. R. bond 

Atlantic and Pacific Railroad bond, 

Sonora Railroad Company bonds, 

Mexican Central Railroad bond, . 

Oregon Short Line Railroad bond, 

Ogdensburg Railroad bonds, 

32 shares Atchison, Topeka and S. F. R. R., 

Personal loans, 



$5,000 00 
3,000 00 
2,000 00 
2,000 00 
2,000 00 
2,000 00 
2,000 00 
1,000 00 
1,000 00 

500 00 
1,000 00 

500 00 
1,000 00 
1,000 00 
2,000 00 
1,000 00 
2,000 00 
2,000 00 
3,200 00 



Summary of Assets, Dec. 31, 1883. 



Loans on mortgage of real estate (first liens) , 

Stocks, bonds, etc., as per schedule, . 

Cash in the office of the company, 

Cash deposited in bank, 

Premiums in course of collection (net) , 

Interest accrued, . 

Office furniture and safe, 

Gross assets, 

Liabilities. 

Unearned premiums on outstanding risks, . 
Dividends of profits due on terminated 
policies, . . . ... 

Gross liabilities, 



$9,475 00 

46,823 00 

80 00 

3,935 95 

104 90 

1,059 83 



$23,103 59 
60 60 



$5,000 
3,000 
2,300 
2,040 
2,460 
2,200 
2,060 
1,000 
1,140 

500 
1,000 

515 
1,200 

930 
1,920 

550 
1,800 
1,800 
2,528 
1,250 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



,823 00 



11,478 68 



23,164 19 



Surplus, . . . . . . . . . $38,314 49 



Income. 

Gross cash premiums received during the 

year, 

Deduct return premiums, .... 
Net cash premiums received, 
Received for interest on mortgages, . 
Received for interest from all other sources, 
Deposit notes received during the year, 

Gross cash income, .... 



$3,656 92 
263 56 



$14,621 28 



53,393 36 

576 00 

2,685 00 



1,651 36 



1883.] 



INSURANCE COMPANIES. 



39 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 



Gross cash expenditures, 

Miscellaneous. 

Risks outstanding Dec. 31, 1882, . . . ! 
Risks written during 1883, .... 

Total 

Risks terminated during 1883, 



$150 00 


1,408 


35 


35 


73 


2,088 


68 


200 


00 


197 


00 



$1,079 76 



[,462,141 0(T 

271,000 00 



[,733,141 00 

281,800 00 



Net amount in force Dec. 31, 1883, $1,451,341 00 

Deposit notes received on outstanding risks, . . . 79,855 80 

Losses incurred during the year, 150 00 

Percentage of profits or surplus returned during 1883, 60 per cent. 
Average rate to date, 75 per cent. 



MASSACHUSETTS MUTUAL FIRE INSURANCE CO., BOSTON. 

[Incorporated Dec. 21, 1872. Commenced business, Jan. 1, 1873.] 

Charles B. Cumings, President. John M. Cokbett, Secretary 

Office, 28 State Street. 

Guaranty Capital $200,000. 

Detailed Statement of Stock, Bonds, etc. 

Par value. 
150 shares Tremont National Bank, . 



80 " Hamilton National Bank, . 
100 " Merchants' National Bank, 

70 " National Union Bank, 
160 " New England National Bank, 
100 " Columbian National Bank, 

25 " Globe National Bank, 
100 " National Webster Bank, . 

50 " Boston and Maine Railroad, 
Eastern Railroad bonds, 
Nashua and Rochester Railroad bonds, 
Michigan Central Railroad bonds, 
Burlington & Mo. River Railroad bonds, 
Chic Clin., Dub. and Minn. Railroad bonds 
Kansas and Mo. River Railroad bonds, 
Atch. Topeka and Santa Fe Railroad bonds 
Kan. City, Lawrence and So. R. R. bonds, 
Chicago, Burl, and Quincy Railroad bonds 
Boston and Lowell Railroad bonds, . 



$15,000 00 

8,000 00 
10,000 00 

7,000 00 
16,000 00 
10,000 00 

2,500 00 
10,000 00 

5,000 00 

8,000 00 
10,000 00 

6,000 00 
29,800 00 
10,000 00 
12,000 00 
10,000 00 

6,000 00 
11,000 00 
10,000 00 



Market value. 

$16,162 50 

9,440 00 

13,375 00 

9,975 00 

21,400 00 

12,900 00 

2,575 00 

10,950 00 

8,050 00 

8,880 00 

10,100 00 

6,750 00 

29,216 00 

10,400 00 

10,560 00 

10,450 00 

6,360 00 

9,300 00 

10,600 00 



$196,300 00 $217,413 50 



40 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Summary op Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $15,000 00 

Loans on mortgage of real estate (first liens), 73,500 00 

Stocks, bonds, etc., as per schedule, . . 217,443 50 

Cash deposited in bank, .... 11,090 43 

Premiums in course of collection (net), . 2,335 05 

Interest and rent accrued, .... 3,373 85 

Gross assets, $322,742 83 

Liabilities. 

Unearned premiums on outstanding risks, . $77,697 35 

Returned premiums on cancelled policies, . 20 96 
Dividends of profits due on terminated 

policies, 2,113 11 

Gross liabilities, 79,831 42 



Surplus, $242,911 41 



Income. 
Gross cash premiums received during the 

year, 

Deduct return premiums,* .... 
Net cash premiums received, 
Received for interest on mortgages, . 

for interest from all other sources, 

for rents, 

from profit on sale of real estate, 

Gross cash income, .... 



$56,334 02 
590 85 



$55,743 17 

5,301 67 

10,384 19 

1,558 66 

700 00 

$73,687 69 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employees, 
for interest on borrowed money, 
for State and local taxes, .... 

for rents, 

for dividends on guaranty capital, 

for incidental expenses, .... 



Paid for profits or surplus on terminated 

policies, 

Cash premiums on cancelled policies returned, 



,011 47 
611 08 



,474 98 

3,780 51 

10,080 51 

570 92 

2,669 17 

2,250 00 

14,000 00 

1,127 01 

$44,953 10 



18,622 55 



Gross cash expenditures, 



,575 65 



* On cancelled policies written during the year. 



1883.] 



INSURANCE COMPANIES. 



41 



Miscellaneous. 



Risks outstanding Dec. 31, 1882, 
Risks written during 1883, . 
Total, .... 
Risks terminated during 1883, 



$16,710,295 00 
8,849,401 00 



■$25,559,696 00 
. 8,943,170 00 



Net amount in force Dec. 31, 1883, .... $16,616,526 00 

Losses incurred during the year, 10,477 38 

Percentage of profits or surplus returned during 1883, 25 per cent. 

Average rate to date, 22 T 8 „ per cent. 

Whole amount of net profits reserved for the security of the insured, 

$20,376.65. 
Rate of interest realized on investments of guarantee capital, 5 T 4 ff 5 o per 

cent. 



MERCHANTS' AND FARMERS 1 MUTUAL FIRE INSURANCE 
COMPANY, WORCESTER. 

[Incorporated April 1, 1846. Commenced business Jan. 1, 1847.] 

John D. Washburn, President. Elijah B. Stoddard, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



Worcester and Nashua Railroad bonds, 
Providence and Worcester R. R. bonds, 
Lawrence city bonds, .... 
20 shares Central National Bank, 
25 " Wachuset National Bank, . 
20 " Westminster National Bank, 
13 " Mechanics 1 National Bank, . 
6 " Quinsigamond National Bank, 
50 " Atch., Topeka and Santa Fe R.R., 
25 " Union Pacific Railroad, 



Par value. 

$20,000 00 

25,000 00 

20,000 00 

2,000 00 

2,500 00 

2,000 00 

1,300 00 

600 00 

5,000 00 

2,500 00 



Market value. 

$20,000 00 

30,000 00 

20,000 00 

2,700 00 

5,000 00 

2,000 00 

1,495 00 

690 00 

4,087 50 

2,206 25 



$80,900 00 $88,178 75 



Securities held as collateral for cash loans : — 

10 shares Worcester and Nashua Railroad, 
5 shares Worcester Safe Deposit and Trust Company, 

Personal loans, 

Loan to Providence and Worcester Railroad, 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $37,500 00 
Loans on mortgage of real estate (first liens) , 2,000 00 

Stocks, bonds, etc., as per schedule, . . 88,178 75 



Loaned thereon. 

I $1,500 00 

25,000 00 
$26,500 00 



42 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Loans on collateral security, as per schedule, $26,500 00 

Cash in the office of the company, . . 241 70 

Cash deposited in bank, .... 61,257 06 

Premiums in course of collection (net), . 4,875 56 

Interest accrued, 1,000 00 

Bills receivable, . . .' . . . 130 00 

Gross assets, . . ., $221,683 07 

Liabilities. 

Unearned premiums on outstanding risks, . $106,965 47 
Dividends of profits due on terminated 

policies, 2,000 00 

Gross liabilities, ..... __ 108,965 47 

Surplus, $112,717 60 



Income. 

Gross cash premiums received during the 
year, 

Deduct return premiums, . 

Net cash premiums received, 

Received for interest on mortgages, . 

for interest from all other sources, 
for rents, .... 

Deposit notes received during the year, 

Gross cash income, 



$52,853 60 
1,663 72 



$51,892 33 



$51,189 88 

100 00 

8,879 05 

2,854 25 

$63,023 18 



Expenditures 

Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for rents, . . . 
for incidental expenses, .... 

Gross cash expenditures, . . . . 



$25,710 06 
7,584 67 
6,772 25 
1,062 98 
16,938 39 
1,500 00 
2,475 11 

,043 46 



Miscellaneous. 

Risks outstanding Dec. 31, 1882, . . . $14,397,294 00 
Risks written during 1883, .... 3,975,792 00 

Total — $18,373,086 00 

Risks terminated during 1883, 3,288,820 00 



Net amount in force Dec. 31, 1883, .... $15,084,26600 
Deposit notes received on outstanding risks, . . . 213,930 94 

Losses incurred during the year, 25,710 06 

Percentage of profits or surplus returned during 1883, 20, 30, 50 per 
cent. 



1883.] 



INSURANCE COMPANIES. 



43 



MERRIMACK MUTUAL FIRE INSURANCE COMPANY, 

ANDOVER. 

[Incorporated Feb. 7, 1828. Commenced busines April 1, 1828.] 

William S. Jenkins, President. Joseph A. Smart, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

Cambridge Horse Railroad bonds, . . $10,000 00 

Cleveland city bonds, 4,000 00 

Cincinnati city bonds, 9,000 00 

Boston and Maine Railroad bonds, . . 10,000 00 

Fall River city bonds, 10,000 00 

Lynn city bonds, 5,000 00 

Albany city bonds, 10,000 00 

United States bonds, 27,000 00 

Chicago water loan, 12,000 00 

St. Louis city bonds, 6,000 00 

Charlestown city bonds, .... 5,000 00 

Boston and Providence Railroad bonds, . 5,000 00 

Boston and Lowell Railroad bonds, . . 5,000 00 

Northampton town bonds, .... 5,000 00 

Old Colony Railroad bonds, . . . 10,000 00 

Chicago, Burl, and Quincy R. R. bonds, . 10,000 00 

Pullman Palace Car Compauy bonds, . 10,000 00 

Chicago and North Western R. R. bonds, . 10,000 00 

Metropolitan Horse Railroad bonds, . . 10,000 00 

Atch., Topeka and Santa Fe R. R. bonds, . 10,000 00 

Maine state bonds, 6,000 00 



Market value. 

$10,200 00 

4,101 00 

10,300 00 

12,400 00 

11,785 00 

5,750 00 

10,950 00 

36,180 00 

13,920 00 

6,360 00 

5,800 00 

6,200 00 

5,900 00 

5,700 00 

11,850 00 

10,550 00 

10,700 00 

10,200 00 

10,375 00 

8,900 00 

6,750 00 



$189,000 00 $214,871 00 



Summary of Assets, Dec. 31, 1883. 

Loans on mortgage of real estate (first liens), $3,000 00 

Stocks, bonds, etc., as per schedule, . . 214,871 00 

Cash in the office of the company, . . 8,744 20 

Cash deposited in bank, .... 10,038 86 

Premiums in course of collection (net), . 2,973 90 

Interest due and accrued, .... 4,267 45 

Gross assets, 

Liabilities. 
Losses and claims adjusted, but not due, . $1,662 00 
Claims for losses disputed or resisted, . 533 41 
Unearned premiums on outstanding risks, . 118,581 65 
Dividends of profits due on terminated poli- 
cies 300 00 

Incidental expenses, 200 00 

Gross liabilities, 



$243,895 41 



121,277 06 



Surplus, $122,618 35 



44 MASSACHUSETTS MUTUAL FIRE [Dec. 31 



Income. 
Gross cash premiums received during the 

year, 

Deduct return premiums, .... 
Net cash premiums received, 
Received for interest on mortgages, . 
Received for interest from all other sources, 
Deposit notes received during the year, 

Gross cash income, .... 



12,676 57 
2,183 38 



1124,538 04 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, . 

for incidental expenses, . . . 

Gross cash expenditures, .... 



Miscellaneous. 

Risks outstanding Dec. 31, 1882, . . . 116,327,489 00 
Risks written during 1883, .... 4,644,882 00 



,493 19 

283 00 

11,452 84 

$72,229 03 



$16,995 38 

9,035 49 

4,163 00 

646 92 

23,761 90 

140 00 

1,556 65 

$56,299 34 



Total 

Risks terminated during 1883, 



•$20,972,371 00 
. 3,983,041 00 



Net amount in force Dec. 31, 1883, .... $16,989,330 00 
Deposit notes received on outstanding risks, . ... 352,607 88 

Losses incurred during the year, 16,708 79 

Percentage of profits or surplus returned during 1883, 40 and 50 per 

cent. 
Average rate to date, 45 per cent. 



MIDDLESEX MUTUAL FIRE INSURANCE COMPANY, 

CONCORD. 

[Incorporated March 3, 1826. Commenced business March 29, 1826.] 

George Heywood, President. Richard Barrett, Secretary. 



Detailed Statement op Stocks, Bonds, etc. 



50 shares Blackstone Nat'l Bank, Boston, 
15 " Merchants' Nat'l Bank, Boston, . 
40 " Webster Nat'l Bank, Boston, . 
25 " Eliot National Bank, Boston, 
53 " Boston National Bank, Boston, . 



Par value. 

$5,000 00 
1,500 00 
4,000 00 
2,500 00 
5,300 00 



Market value. 

$5,056 25 
2,009 12 
4,380 00 
3,100 00 
6,227 60 



1883.] 



INSURANCE COMPANIES. 



45 



54 shares Howard Nat'l Bank, Boston, . $5,400 00 

30 " Revere Nat'l Bank, Boston, . 3,000 00 

113 " Shawmut Nat'l Bank, Boston, . 11,300 00 

20 " Faneuil Hall Nat'l Bank, Boston, 2,000 00 

44 " No. America Nat'l Bank, Boston, 4,400 00 

10 " Central Nat'l Bank, Boston, . 1,000 00 

36 " Traders' Nat'l Bank, Boston, . 3,600 00 

18 " State Nat'l Bank, Boston, . . 1,800 00 

33 " Concord Nat'l Bank, Concord, . 3,300 00 

Central National Bank loan, . . . 1,000 00 

44 shares Boston and Albany Railroad, . 4,400 00 

28 " Fitchburg Railroad, . . . 2,800 00 

50 " Phila./Wilmington and Bait. R.R. 2,500 00 

Boston and Albany Railroad bonds, . . 40,000 00 

Eastern Railroad bonds, .■-.'. . . 6,000 00 

Burlington and Missouri Railroad bonds, . 4,000 00 

Connotton Valley Railroad bonds, . . 8,000 00 

Bath city bonds, 3,000 00 

United States bonds 13,000 00 

$138,800 00 
Securities held as collateral for cash loans : — 



Atch., Topeka and Santa Fe R. R. bond, 
United States bonds, .... 
Concord water loan, , 
Personal loans, . . ' . 



Summary of Assets, Dec. 31, 1883 
Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, .... 
Premiums in course of collection (net), 
Interest due and accrued, .... 
Gross assets, 

Liabilities. 

Unearned premiums on outstanding risks, . 
Dividends of profits due on terminated poli- 
cies, 

State and local taxes, due or accrued, 

Gross liabilities, 

Surplus, 



$6,588 00 
3,547 50 

13,051 50 
2,615 00 
4,752 00 
672 50 
2,979 00 
2,322 00 
4,950 00 
1,000 00 
7,722 00 
3,402 00 
3,100 00 

48,800 00 
6,667 50 
3,340 00 
2,400 00 
3,060 00 

16,185 00 

$157,926 87 



Market value. 


Loaned thereon. 


$1,225 00 


$1,000 00 


22,332 50 


18,000 00 


- 


22,500 00 


— 


17,700 00 




$59,200 00 


31, 1883. 




$37,500 00 




115,500 00 




157,926 87 




59,200 00 




6,301 64 




15,456 15 




5,605 40 




8,034 13 






$405,524 19 




$147,167 15 




184 50 




171 85 




. 


147,523 50 


« • 


$258,000 69 



46 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Income. 

Gross cash premiums received during the year, . . $78,917 39 

Received for interest on mortgages, . . . . . 5,914 15 

for interest from all other sources, . . . 10,531 91 

for rents, ........ 525 00 

from policy fees, 132 00 

Deposit notes received during the year, . $78,262 89 

Gross cash income, $96,020 48 

Expenditures. 

Paid for losses during the year, ...... $20,052 74 

for brokerage and commissions, 11,203 65 

for salaries and fees of officers and employees, . . 6,854 00 

for State and local taxes, 1,214 23 

for profits or surplus on terminated policies, . . 40,598 43 

for incidental expenses, 1,828 21 

Gross cash expenditures, . . . . . . $81,751 26 

Miscellaneous. 
Risks outstanding Dec. 31, 1882, . . $19,693,615 00 
Risks written during 1883, . . . 5,383,585 00 

Total, 

Risks terminated during 1833, . 



$25,077,200 00 
4,686,474 00 



Net amount in force Dec. 31, 1883, . . . . .$20,390,726 00 
Deposit notes received on outstanding risks, . . . 294,334 31 
Losses incurred during the year, . . . . . 20,052 74 

Percentage of profits or surplus returned during 1883, 50 and 60 per cent. 



MILFORD MUTUAL FIRE INSURANCE COMPANY, 

MILFORD. 

[Incorporated April 30, 1851. Commenced business, Jan. 1, 1852.] 

Geo L. Cook, Secretary. Geo. G. Parker, President. 

Detailed Statement op Stocks, Bonds, etc. 



10 shares Milford National Bank, 
9 " Hide and Leather National Bank, 
Milford Water Works, Co. notes, 



Summary of Assets, Dec. 31, 1883. 

Stocks, etc , as per schedule, 

Gash in the office of the company, 

Premiums in course of collection (net), 

Interest due, . 

Office furniture, . . . . $100 00 

Gross assets, — $8,626 28 



Par value. 


Market value. 


$1,000 00 


$1,350 00 


900 00 


1,026 00 


- 


5,000 00 




$7,376 00 


, 1883. 




$7,376 00 




885 44 




266 84 




98 00 


• 



1883.] 



INSURANCE COMPANIES. 



47 



Liabilities. 

Unearned premiums on outstanding risks, . $3,944 22 
Dividends of profits due on terminated 

policies, 8 42 

Incidental expenses, 72 84 

Gross liabilities, 



Surplus, 



1,025 48 



$4,600 80 



Income. 

Gross cash premiums received during the 

year 

Deduct return premiums, , . . 
Net cash premiums received, 
Received for interest from all sources, 
Received from all other sources, 
Deposit notes received during the year, 

Gross cash income, 



$1,865 01 




62 83 






$1,802 18 




. 


300 00 


. 


50 00 


$5,595 03 





1,152 18 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for incidental expenses, . . . . 

Gross cash expenditures, . . 



$246 70 

46 39 

337 30 

19 58 

362 47 

141 67 

1,154 11 



Miscellaneous. 



Risks outstanding Dec. 31, 1882, . 
Risks written during 1883, . 

Total, 
Risks terminated during 1883, 



$779,339 00 
179,475 00 



$958,814 00 
127,926 00 



Net amount in force Dec. 31, 1883, $830,888 00 

Deposit notes received on outstanding risks, . . . 23,665 35 

Losses incurred during the year, 246 70 

Percentage of profits or surplus returned during 1883, 25 per cent. 
Average rate to date, 25 per cent. 



48 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



MILL-OWNERS' MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated June 13, 1873. Commenced business Aug. 1, 1873] 

William H. Kent, President Frederick S. Cabot, Secretary. 

Office, 131 Devonshire Street. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

Boston city bonds, $35,000 00 $36,400 00 

Ottawa and Burlington Railroad bonds, . 5,000 00 5,550 00 

Chicago, Burl, and Quincy Railroad bonds, 17,000 00 15,130 00 

Corporation notes, > - 55,000 00 



$112,080 00 



Summary of Assets Dec. 31, 1883. 



Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, 
Cash deposited in bank, .... 
Premiums in course of collection (net), 

Interest accrued, 

Office furniture, .... $400 00 
Gross assets, . . . . . 

Liabilities. 
Unearned premiums on outstanding risks, . 
State and local taxes, due or accrued, . 

Gross liabilities 



$112,080 00 

54 62 

16,543 63 

664 45 

2,095 81 



$131,438 51 



$78,266 53 
329 58 



78,596 11 



Surplus, • . . $52,842 40 



Income. 

Gross cash premiums received during the 

year, 

Deduct return premiums, . 
Net cash premiums received, 
Received for interest from all sources, 
Deposit notes received during the year, 

Gross cash income, . . , 



$163,600 91 
6,255 79 



$815,760 15 



$157,345 12 
3,900 73 

$161,245 85 



Expenditures. 
Paid for losses during the year, .... 

for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 

Gross cash expenditures, .... 



,645 44 
9,500 00 
1,560 86 
71,361 06 
1,334 00 
3,127 98 

$155,529 34 



1883.] INSURANCE COMPANIES. 49 

Miscellaneous. 
Risks outstanding Dec. 31, 1882, . . . $14,879,140 00 
Risks written during 1883, .... 17,744,234 00 

Total, $32,623,374 00 

Risks terminated during 1883, 15,768,956 00 



Net amount in force Dec. 31, 1883, .... $16,854,418 00 
Deposit notes received on outstanding risks, . . . 782,665 35 
Losses incurred during the year, ..... 29,000 55 

Percentage of profits or surplus returned during 1883, 50 t 9 q per cent. 
Average rate to date, 60 T ^ per cent. 



MUTUAL FIRE ASSURANCE COMPANY, SPRINGFIELD. 

[Incorporated Feb. 23, 1827. Commenced business July 26, 1827.] 

W. C. Sturtevant, President. Frank R. Young, Secretary, 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

Boston & Albany Railroad bonds, . . $7,000 00 $8,610 00 

Union Pacific Railroad bonds, . . . 5,000 00 5,800 00 

St. Johnsbury and Lake Champ. R.R. bonds, 5,000 00 5,500 00 

Vermont Valley Railroad bonds, . . 4,000 00 4,200 00 

75 shares Second Nat 1 ] Bank, Springfield, 7,500 00 13,500 00 

61 " Chicopee Nat'l Bank, Springfield, 6,100 00 10,370 00 

25 " J. Hancock Nat'l B'k, Springf'ld, 2,500 00 3,250 00 

25 " First Nat'l Bank, Springfield, . 2,500 00 4,125 00 

25 " Chapin Nat'l Bank, Springfield, 2,500 00 3,200 00 

10 " Monson Nat'l Bank, Monson, . 1,000 00 1,500 00 

10 " First National Bank, Chicopee, . 1,000 00 1,700 00 

50 " Hadley Falls Nat'l B'k, Holyoke, 5,000 00 8,500 00 

50 " Nat'l Bank of Commerce, Boston, 5,000 00 5,750 00 

55 " Boston and Albany Railroad, . 5,500 00 9,680 00 

100 " N.Y. Central and Hudson R.R.R., 10,000 00 11,200 00 

50 " Chicago, Burl, and Quincy, . 5,000 00 6,000 00 

50 " Union Pacific Railroad, . . 5,000 00 3,500 00 

40 " Lake Shore and Mich. So. R. R., 4,000 00 3,800 00 



$83,600 00 $110,185 00 



Summary of Assets, Dec. 31, 1883. 

Loans on mortgage of real estate (first liens), $11,350 00 
Stocks, bonds, etc., as per schedule, . . 110,185 00 



Cash in the office of the company, 
Cash deposited in bank, 
Interest accrued, .... 
Gross assets, .... 



322 48 

3,167 37 

698 17 



$125,723 02 



50 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Liabilities. 
Unearned premiums on outstanding risks, . $30,405 27 
Dividends of profits due on terminated poli- 
cies, ........ 470 76 

Gross liabilities, '. . . . . 

Surplus, . . . 

Income. 

Gross cash premiums received during the year, $16,310 28 
Deduct return premiums, . . . 485 81 

Net cash premiums received, . . . 

Received for interest on mortgages, 

for interest from all other sources, 

from policy fees, . 

Deposit notes received during the year, . $32,600 56 

Gross cash income, 



Expenditures. 

Paid for losses during the year, . . . 

for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, 

for rents, . . 

for incidental expenses, .... 



$30,876 03 



$94,846 99 



Gross cash expenditures, 



$15,824 47 


892 37 


5,798 80 


639 00 


$23,154 64 


$3,350 35 


2,714 00 


175 86 


12,549 75 


200 00 


292 25 


$19,282 21 



Miscellaneous. 
Risks outstanding Dec. 31, 1882, . . . $3,916,475 00 
Risks written during 1883, .... 1,055,025 00 

Total, . . ."■■'.. . . 

Risks terminated during 1883, 



K,97 1,500 00 
1,043,400 00 



Net amount in force Dec. 31, 1883, $3,928,100 00 

Deposit notes received on outstanding risks, . . . 121,621 08 
Losses incurred during the year, ..... 3,350 35 

Percentage of profits or surplus returned during 1883, 75 per cent. 
Average rate to date, 75 per cent. 



1883.] 



INSURANCE COMPANIES. 



51 



MUTUAL PROTECTION FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated April 10, 1861. Commenced business July 15, 1864.] 

Amos Stone, President. Geo. H. Pendergast, Secretary. 



Detailed Statement op Stocks, Bonds, etc. 



10 shares Monument National Bank, . 
20 " National Bank Republic, 
31 " Charlestown Gas Company, 
50 " Ateh., Top. and S. F. Railroad, 
Northern Pacific Railroad bonds, 



Securities held as collateral for cash loans 

36 shares Charlestown Gas Company, 

10 "* Calumet and Hecla Mining Co., . 

50 " Conn, and Passumpsic River R.R., 



Par value. 

$1,000 00 
2,000 00 
1,550 00 
5,000 00 
2,000 00 



Market value. 

$2,050 00 
2,500 00 
2,356 00 
4,000 00 
2,040 00 



$11,550 00 $12,946 00 

Market value. Loaned thereon. 
$2,736 00 >v 
2,380 00 I $5,000 00 
4,150 00 J 



,266 00 $5,000 00 



Summary of Assets, Dec, 31, 1883. 



Loans on mortgage of real estate (first liens) , 
Stocks^and bonds, as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 

deposited in bank, 
Premiums in course of collection (net), 
Interest due and accrued, . 

Gross assets, 

Liabilities. 

Owing for borrowed money, 

Unearned premiums on outstanding risks, 

Dividends of profits due on terminated 

policies, 

Gross liabilities, .... 



Surplus, 



$19,320 00 

12,946 00 

5,000 00 

425 13 

2,296 61 

200 60 

503 90 



$611 28 
4,767 02 



,692 24 



61 37 



5,439 67 
$35,252 57 



Income. 

Gross cash premiums received during the year, $2,463 32 

Deduct return premiums, .... 76 37 

Net cash premiums received, . . . 

Received for interest on mortgages, . . . 

Received for interest from all other sources, ... 

Deposit notes received during the year, . $6,588 63 

Gross cash income, 



>2,386 95 

1,144 10 

1,150 36 

K,681 41 



52 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Expenditures. 

Paid for losses during the year, .... 

for brokerage and commissions, . 

for State and local taxes, .... 

for profits or surplus on terminated policies, 
for rents, ........ 

for incidental expenses, .... 

Gross cash expenditures, . 



$77 00 


316 


39 


21 


32 


667 


39 


400 


00 


65 


00 



.,547 10' 



Miscellaneous . 



Risks outstanding Dec. 31, 1882, 
Risks written during 1883, . 
Total, .... 
Risks terminated during 1883, 



11,023,750 00 
268,100 00 



,291,850 00 
265,600 00 



Net amount in force Dec. 31, 1883, .... $1,026,25000 

Deposit notes received on outstanding risks, . . . 28,602 12 

Losses incurred during the year, 77 00 

Percentage of profits or surplus returned during 1883, 25 per cent. 
Average rate to date, 25 per cent. 



NEWBURYPORT MUTUAL FIRE INSURANCE COMPANY, 

NEWBURYPORT. 

[Incorporated February, 1829. Commenced business May 1, 1829.] 

Amos Noyes, President. Chas. J. Brock way, Secretary, 



Detailed Statement of Stocks, Bonds, etc. 



100 shares Merchants' National Bank, 
Mechanics' National Bank, 
Ocean National Bank, 
Washington National Bank, 
Traders' National Bank, . 

1 Bank, 



18 
31 
15 
10 " 

10 " Hide and Leather Nat' 
Eastern Railroad bonds, 
Lawrence city bonds, . 
Lowell city bonds, 
Fall River city bonds, . 
Natick town bonds, 
Rutland Railroad bonds, 
13 shares Chicago, Burl, and Quincy R.R., 



Par value. 

$2,000 00 
1,800 00 
1,550 00 
1,500 00 
1,000 00 
1,000 00 
5,500 00 
1,000 00 
2,000 00 
1,000 00 
2,000 00 
1,000 00 
1,300 00 



Market value* 

$2,800 00 
2,448 00 
2,015 00 
1,995 00 

820 00 
1,110 00 
6,105 00 
1,180 00 
2,440 00 
1,240 00 
2,050 00 

930 00 
1,573 00 



$22,650 00 |26,706 00 



1883.] 



INSUEANCE COMPANIES. 



53 



Summary of Assets, Dec. 31, 1883. 



Stocks, bonds, etc , as per schedule, . 

€ash in the office of the company, 

Cash deposited in bank, .... 

Interest accrued, 

Office furniture and safe, . . $200 00 
Gross assets, 



$26,706 00 

27 16 

2,180 66 

335 25 



29,249 07 



Liabilities. 

Unearned premium on outstanding risks, . $4,205 36 

Rents and salaries, 65 00 

Gross liabilities, 

Surplus, . 



4,270 36 
$24,978 71 



Income. 

Gross cash premiums received during the 

year, 

Deduct return premiums, . 
Net cash premiums received, 
Received for interest from all sources, 

from policy fees, . 
Deposit notes received during the year, 

Gross cash income, 



,144 32 
83 03 



,285 84 



51,061 29 

1,467 04 

41 75 



$2,570 08 



Expenditures. 

Paid for losses during the year, .... 

for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 

Gross cash expenditures, . . 

Miscellaneous. 

Risks outstanding Dec. 31, 1882,. . . $676,960 00 
Risks written during 1883, .... 95,775 00 

Total, 

Risks terminated during 1883, 



$637 50 


315 00 


10 66 


1,032 57 


100 00 


100 27 



$2,196 00 



$772,735 00 
91,575 00 



Net amount in force Dec. 31, 1883, $681,160 00 

Deposit notes received on outstanding risks, . . . 67,285 84 

Losses incurred during the year, 137 50 

Percentage of profits or surplus returned during 1883, 100 per cent. 
Average rate to date, 100 per cent. 



54 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



NORFOLK MUTUAL FIRE INSURANCE COMPANY, 

DEDHAM. 

[Incorporated Feb. 12, 1825. Commenced business July 1, 1825.] 

Ira Cleveland, President. Elijah Howe, Jr., Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . . . . 
Marquette and Ontonagon Railroad bonds, 
Cincinnati city bonds, .... 
New England Mortgage Security bonds, 
Union Pacific Railway bonds, 
Philadelphia and Reading R. R. bonds, 
Old Colony Railroad bonds, 
Chicago City Sewerage bonds, . 
Union Pacific S. F. bonds, . 
Atch., Topeka and Santa Fe R. R. bonds, 
Kansas City, St. Joe. and C. B. R. R. bonds 
Kansas City, Top. and West'n R.R. bonds, 
Oregon Short Line Railroad bonds, 
Dedham Water Company bonds, 



Par value. 

$50,000 00 

32,000 00 

25,000 00 

20,000 00 

15,000 00 

8,000 00 

12,000 00 

7,000 00 

7,000 00 

10,000 00 

9,000 00 

5,000 00 

5,000 00 

5,000 00 



Market value. 

$57,000 00 

37,440 00 

31,750 00 

20,300 00 

15,600 00 

9,440 00 

14,100 00 

8,050 00 

8,050 00 

10,450 00 

10,575 00 

5,400 00 

4,500 00 

5,000 00 



$210,000 00 $237,655 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $24,300 00 

Loans on mortgage of real estate (first liens) , 76,400 00 

Bonds, as per schedule, .... 237,655 00 

Cash in the office of the company, . . 2,443 73 

Cash deposited in bank, .... 2,843 98 

Premiums in course of collection (net), '■. 4,465 57 

Interest and rents due and accrued, . . 6,496 32 

Gross assets, . . . ■ . ^ . . $354,604 60' 

Liabilities. 

Losses and claims adjusted, but not due, . f 6,654 91 

Claimed and reported losses, not adjusted, . 2,100 00 

Unearned premiums on outstanding risks, . 108,701 28 

Return premiums on cancelled policies, . 376 32 
Dividends of profits due on terminated 

policies, . 4,180 55 

Rents, salaries and incidental expenses, . 1,196 70 

Gross liabilities, ■ 123,209 7ft 



Surplus, 



$231,394 84 



1883.] 



INSURANCE COMPANIES. 



55 



Income. 

Net cash premiums received, $58,864 70 

Received for interest on mortgages, 5,120 35 

for interest from all other sources, . . . 12,690 92 

for rents, 1,428 75 

from all other sources, 25 00 

Deposit notes received during the year, . $113,738 76 

Gross cash income, $78,129 72 

Expenditures. 

Paid for losses during the year, $14,051 72 

for brokerage and commissions, 8,746 62 

for salaries and fees of officers and employees, . . 3,335 92 

for State and local taxes, 1,086 25 

for profits or surplus on terminated policies, '..-'. 30,320 16 

for incidental expenses, 1,568 15 

Gross cash expenditures, . . . . . $59,108 82 

Miscellaneous. 

Risks outstanding Dec. 31, 1882, . . . $14,094,014 00 
Risks written during 1883, .... 3,845,958 00 



Total, 



$17,939,972 00 



Risks terminated during 1883, 3,814,707 00 



Net amount in force Dec. 31, 1883, .... $14,125,265 00 
Deposit notes received on outstanding risks, . . . 432,655 38 

Losses incurred during the year, 21,198 47 

Percentage of profits or surplus returned during 1883, 33| to 50 per 
cent. 



QUINCY MUTUAL FIRE INSURANCE COMPANY, QUINCY. 

[Incorporated March 22, 1851. Commenced business May, 1851.] 

Israel W. Munroe, President. Chas. A. Howland, Secretary, 



Detailed Statement of Stocks, 

200 shares Manufacturers 1 Nat'l B'k, Boston, 

40 
222 

35 
100 

66 

70 

45 



Merchants 1 Nat 1 ] Bank, Boston, . 
Third National Bank, Boston, . 
State National Bank, Boston, 
North National Bank, Boston, . 
Washington Natfl Bank, Boston, 
Second Natfl Bank, Boston, 
Blackstone Nat 1 ! Bank, Boston, 



Bonds, etc. 

Par value. 

$20,000 00 
4,000 00 

22,200 00 
3,500 00 

10,000 00 
6,600 00 
7,000 00 
4,500 00 



Market value. 

$19,400 00 

5,340 00 

21,090 00 

4,515 00 

13,000 00 

8,778 00 

10,710 00 

4,545 00 



56 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



50 shares 


37 


(C 


50 


cc 


46 


cc 


75 


cc 


25 


it 


207 


C( 


96 


cc 


50 


cc 


64 


(C 


48 


(( 


77 


(« 


10 


cc 


50 


cc 


29 


cc 


11 


cc 


20 


cc 


28 


cc 


100 


cc 


300 


CI 



First National Bank, Boston, 
Revere National Bank, Boston, 
Hamilton Nat'l Bank, Boston, 
Continental Nat'l Bank, Boston 
Redemption Nat'l Bank, Boston 
Market National Bank, Boston, 
Mt. Wollaston Nat'l B'k, Quincy 
Granite National Bank, Quincy 
Wachusett Nat'l B'k, Fitchburg 
Hingham Nat'l Bank, Hingham 
First Nat'l Bank, So. Weymouth 
Union Nat'l Bank, Weymouth, 
Quinsigamond National Bank 

Worcester, 
Brockton Nat'l Bank, Brockton 
Plymouth Nat'l Bank, Plymouth 
Old Colon}' - Railroad, 
Citizens' Gas-Light Company, 
Lawrence Duck Company, 
Atch., Topcka & S. F. R. R., 
Union Pacific Railroad, 



Par value. 

$5,000 00 
3,700 00 
5,000 00 
4,600 00 
7,500 00 
2,500 00 

20,700 00 
9,600 00 
5,000 00 
4,480 00 
4,800 00 
7,700 00 

1,000 00 

5,000 00 

2,900 00 

1,100 00 

2,000 00 

2,800 00 

10,000 00 

30,000 00 



Market value. 

$9,750 00 

4,366 00 

5,900 00 

4,968 00 

9,600 00 

2,325 00 

30,015 00 

12,000 00 

9,250 00 

4,480 00 

6,000 00 

8,624 00 

1,100 00 

5,300 00 

3,480 00 

1,529 00 

2,000 00 

4,200 00 

7,900 00 

21,600 00 



$213,180 00 $241,765 00 



Securities held as collateral for cash loans : — 



107 shares Hingham Cordage Company, 
142 " Lawrence Duck Company, 
37 " Atch., Top. and Santa Fe R. R., 
Toledo, Cincinnati and St. Loiris R.R. bond 
Mutual Union Telegraph Company bond, 
Toledo and Delphos Trust Certificate, 
Toledo, Delphos and Burl. R. R. bonds, 
Wichita and So. Western R.R. mort. bonds 
Personal loans, 



Market value. 

$10,700 00 
21,300 00 



Loaned thereon. 

$10,000 00 
23,091 67 

5,000 00 

7,000 00 

12,000 00 
9,280 00 



,371 67 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $16,000 00 

Loans on mortgage of real estate (first liens) , 87,550 00 

Stocks, bonds, etc., as per schedule, . . 241,765 00 

Loans on collateral security, as per schedule, 66,371 67 

Cash in the office of the company, . . 50 00 

Cash deposited in bank, .... 13,522 15 

Premiums in course of collection (net), . 8,353 15 

Interest due and accrued, .... 6,236 17 

Cash deposited in Pacific National Bank, . 16,004 42 

Gross assets, .... . 



$455,852 56 



1883.] 



INSURANCE COMPANIES. 



57 



Liabilities. 

Losses and claims adjusted, but not due, 
Claimed and reported losses, not adjusted, 
Claims for losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, 
State and local taxes, due or accrued, 
Salaries and incidental expenses, 
Gross liabilities, 

Surplus, 

Income. 

Net cash premiums received, 
Received for interest on mortgages, . 

for interest from all other sources, 
for rents, . . . 
Deposit notes received during the year, 

Gross cash income, 



$55 62 

750 00 

3,000 00 

190,487 08 

2,500 00 

200 00 

310 25 



$97,491 23 



$197,302 95 



$258,549 61 



,491 23 

6,548 40 

17,091 49 

841 07 



$121,972 19 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for incidental expenses, . . 

Gross cash expenditures, .... 



Miscellaneous. 

Risks outstanding Dec. 31, 1882, . . $26,117,977 00 

Risks written during 1883, .... 7,161,514 00 



$53,323 24 

15,513 06 

9,385 40 

1,683 56 

36,588 59 

4,504 35 

$120,998 20 



Total, .... 
Risks terminated during 1883, 



$33,279,491 00 
6,623,753 00 



Net amount in force Dec. 31, 1883, $26,655,738 00 

Deposit notes received on outstanding risks, . . . 380,974 15 

Losses incurred during the year, 57,128 86 

Percentage of profits or surplus returned during 1883, 20 to 50 per cent # 



58 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



SALEM MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated April 17, 1838. Commenced business May, 1838.] 

Charles S. Nichols, President. Samuel A. Potter, Secretary, 



Detailed Statement of Stocks, 



20 shares Salem National Bank, Salem, 
14 

5 
15 

2 

6 



Asiatic National Bank, Salem, 
National Exchange Bank, Salem 
Salem Gas-Light Co., Salem, 
Lynn Gas-Light Co., Lynn, . 
Cambridge Railroad Company, 
City of Cincinnati bonds, 
of Toledo bonds, . 
of Cleveland bonds, 
of Springfield bonds, 
of Chicago bonds, 
of Peoria bonds, . 
of Chelsea bonds, 
of St. Louis bonds, 
County of St. Louis bonds, 
County of Cook bonds, 
Boston and Maine Railroad bonds, 
Boston and Lowell Railroad bonds, 
Essex Railroad bonds, . 
Eastern Railroad bonds, 



Bonds, etc 

Par value. 

$2,000 00 

420 00 

500 00 

1,500 00 

200 00 

600 00 

2,000 00 

2,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

2,000 00 

1,000 00 

1,000 00 



Summary of Assets, Dec. 31, 1883. 



$12,155 71 

25,143 00 

1,000 00 

1,078 68 

305 38 

582 28 



1,259 51 



Market value. 

$2,400 00 

588 00 

595 00 

1,530 00 

160 00 

500 00 

2,510 00 

2,250 00 

1,160 00 

1,350 00 

1,140 00 

1,080 00 

• 1,120 00 

1,100 00 

1,100 00 

1,020 00 

1,230 00 

2,180 00 

1,025 00 

1,105 00 



2,220 00 $25,143 00 



,265 05 



Loans on mortgage of real estate (first liens) , 
Stocks and bonds, as per schedule, 
Loans on personal security, ... 

Cash in the office of the company, . - 
Premiums in course of collection (net), 
Interest accrued, . • . ■ . . • 

Gross assets, 

Liabilities. 

Unearned premiums on outstanding risks, . 
Dividends of profits due on terminated 

policies, . 

State and local taxes, due or accrued, 
Salaries and incidental expenses, 

Gross liabilities, 



Surplus, 133,372 35 



271 76 




7 13 




354 30 






6,892 70 





1883.] 



INSURANCE COMPANIES. 



59 



$4,490 08 




107 38 






$4,382 70 

577 78 




• 


1,610 85 


$13,434 84 





Income. 
Gross cash premiums received during the 

year, 

Deduct return premiums, .... 
Net cash premiums received, . . . 
Received for interest on mortgages, . 
Received for interest from all other sources, 
Deposit notes received during the year, 

Gross cash income, $6,571 33 

Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, .... 

Miscellaneous. 

Risks outstanding Dec. 31,1882, . . . $872,040 00 
Risks written during 1883, . . . 338,550 00 

Total, $1,210,590 00 

Risks terminated during 1883, 361,750 00 

Net amount in force Dec. 31, 1883, $848,840 00 

Deposit notes received on outstanding risks, . . . 37,557 03 

Losses incurred during the year, 37 50 

Percentage of profits or surplus returned during 1883, 40 per cent. 
Average rate to date, 40 per cent. 



$37 


50 


36 


30 


1,307 


00 


46 


09 


1,573 


62 


55 


63 



!,056 14 



SALISBURY AND AMESBURY MUTUAL FIRE INSURANCE 
COMPANY, AMESBURY. 

[Incorporated May 15, 1855. Commenced business, June 13, 1855.] 

Geo. F. Bagley, Acting President. Charles L. Allen, Secretary. 

Summary of Assets, Dec. 31, 1883. 

Cash in the office of the company, ■ . . $201 50 

Cash deposited in bank, .... 1,559 80 

Office safe, $100 00 

Gross assets, 



Liabilities. 

Unearned premiums on outstanding risks, . 
Gross liabilities, 

Surplus, , 



,387 39 



.,761 30 



1,387 39 
$373 91 



60 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 
Gross cash premiums received during the 

year, 

Deduct return premiums, . 
Net cash premiums received, 
Received for interest from all sources, 
Deposit notes received during the year, 

Gross cash income, 



Expenditures. 
Paid for losses during the year, . 

for salaries and fees of officers and employees, . 

for State and local taxes, 

for incidental expenses, 

Gross cash expenditures, 

Miscellaneous. 



$273 20 




35 88 






$237 32 




. 


67 84 


$2,724 00 





Risks outstanding Dec. 31, 1882, 
Risks written during 1883, . 
Total, .... 
Risks terminated during 1883, 



$357,342 00 
33,650 00 



$305 16 



$11 28 


150 00 


2 21 


19 25 



$182 74 



$390,992 00 
35,300 00 



Net amount in force Dec. 31, 1883, $355,692 00 

Deposit notes received on outstanding risks, . . . 27,748 98 

Losses incurred during the year, 11 28 

Percentage of profits or surplus returned during 1883, 10 per cent. 
Average rate to date, 10 per cent. 



SAUGUS MUTUAL FIRE INSURANCE COMPANY, SAUGUS. 

[Incorporated Feb. 24, 1852. Commenced business April 1, 1852.] 

Harmon Hall, President. Wilbur F. Newhall, Secretary. 

[Note. — This company insures nothing but dwellings, farm-build- 
ings, and their contents, in Lynn, Saugus, Lyunfield, Swampscott and 
Nahant. No cash premiums are taken ; but assessments are made on 
deposit notes, to pay losses and expenses. All policies are issued for a 
term of three years.] 

Summary of Assets Dec. 31, 1883. 
Cash in the office of the company, . . $1,380 34 

Cash deposited in bank, .... 2,000 00 

Premiums in course of collection (net), . 95 00 

Gross assets, $3,475 34 



1883.] 



INSURANCE COMPANIES. 



61 



Income. 

Received for interest from all sources, .... 
from assessments on deposit notes, 

for rents, 

from policy fees, 

Deposit notes received during the year, . $107,971 00 

Gross cash income, 



$39 58 


1,525 


40 


90 


00 


571 


00 



>2,225 98 



Expenditures. 

Paid for losses during the year, .... 

for salaries and fees of officers and employees, 
for State and local taxes, .... 

for rents, 

for incidental expenses, . . . 

Gross cash expenditures, .... 



Miscellaneous. 

Risks outstanding Dec. 31, 1882, . ..'.'.! 
Risks written during 1883, .... 

Total, 

Risks terminated during 1883, 

Net amount in force Dec. 31, 1883, 
Deposit notes received on outstanding risks, 
Losses incurred during the year, 
Assessments laid on deposit notes, 



',526,675 00 
881,075 00 



$66 


94 


1,000 


00 


15 


24 


150 


00 


196 


29 



,428 47 



$3,407,750 00 
823,125 00 

2,584,625 00 

316,283 00 

66 94 

1,460 70 



SHELBURNE MUTUAL FIRE INSURANCE COMPANY, 

SHELBURNE. 

[Incorporated 1877. Commenced business July 4, 1877.] 

Nathan O. Neavhall, President. E. B. Alvord, Secretary , 

[Note. — Insures property in the town of Shelburne only.] 

Summary op Assets Dec. 31, 1883. 

Cash deposited in savings bank, . 
Premiums in course of collection (net), 
Gross assets, 

Income. 

Net cash premiums received, 
Received for interest from all sources, 
Deposit notes received during the year, 

Gross cash income, $53 37 



$722 17 
3 50 


$725 67 

$25 37 
28 00 


$253 70 



62 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Expenditures. 

Paid for losses during the year, $5 00 

for salaries and fees of officers and employees, . . 3 00 

for State and local taxes 60 



Gross cash expenditures, $8 60 

Miscellaneous. 

Risks outstanding Dec. 31, 1882, . . . 8105,408 00 
Risks written during 1883, .... 6,200 00 

Total, . . . ... $111,608 00 

Risks terminated during 1883, 4,750 00 



Net amount in force Dec. 31, 1883, . . . . . $106,858 00 
Deposit notes received on outstanding risks, . . . 6,315 84 

Losses incurred during the year, 5 00 



SOUTH DANVERS MUTUAL FIRE INSURANCE COMPANY, 

PEABODY, 

[Incorporated June 12, 1829. Commenced business August 1, 1829.] 

William P. Clark, President. George M. Foster, Secretary 

Detailed Statement of Stocks, Bonds, etc. 

90 shares So. Danvers Nat'l Bank, Peabody, 
48 " Warren National Bank, Peabody, 
51 ". Asiatic National Bank, Salem, 
20 " Naumkeag National Bank, Salem, 
18 " Exchange National Bank, Salem, 
12 " First National Bank, Salem, 
34 " First National Bank, Danvers, . 
30 " Nat'l Hide and Leather B'k, Boston, 

8 " Andover National Bank, 

1 " Cape Ann Nat'l B'k, Gloucester, . 
United States bonds, . 
Cleveland city bonds, . 
Cincinnati city bonds, . 
Eastern Railroad bonds, 
Boston and Maine Railroad bonds, 
Ogdensburg and Lake Champ. R. R. bond, 

• $41,780 00 $53,020 00 



Par value. 


Market value 


$9,000 00 


$13,500 00 


4,800 00 


6,720 00 


1,530 00 


2,040 00 


2,000 00 


3,200 00 


1,800 00 


2,160 00 


1,200 00 


1,440 00 


2,550 00 


3,060 00 


3,000 00 


3,300 00 


800 00 


840 00 


100 00 


150 00 


5,000 00 


5,700 00 


2,000 00 


2,000 00 


3,000 00 


3,390 00 


2,000 00 


2,200 00 


2,000 00 


2,480 00 


1,000 00 


840 00 



1883.] 



INSURANCE COMPANIES. 



63 



Summary of Assets Dec. 31, 1883. 
Loans on Mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, 
Cash deposited in bank, 
Premiums in course of collection (net), 

Interest accrued, 

Gross assets, 

Liabilities. 

Unearned premiums on outstanding risks, . 11,372 28 
Dividends of profits due on terminated poli- 
cies, 296 56 

Salaries and incidental expenses, . . 198 83 

Gross liabilities, 



), $200 00 




53,020 00 




67 00 




5,570 76 




4 00 




185 00 






$59,046 76 



11,867 67 



$3,830 12 




321 00 






$3,509 12 




. 


12 


. 


2,828 45 


■ 


129 00 


$11,490 36 





Surplus $47,179 09 



Income. 
Gross cash premiums received during the 

year, 

Deduct return premiums, .... 
Net cash premiums received, 
Received for interest on mortgages, . 

for interest from all other sources, 

from policy fees 

Deposit notes received during the year, 

Gross cash income, 



Expenditures. 

Paid for losses during the year, 

for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, 
for incidental expenses, 

Gross cash expenditures, 

Miscellaneous. 
Risks outstanding Dec. 31, 1882, . . . $1,010,505 00 
Risks written during 1883, .... 177,325 00 

Total, 

Risks terminated during 1883, 



,478 57 



$87 50 
788 50 

35 44 
3,386 87 

17 58 

K,315 89 



.,217,830 00 
174,812 50 



Net amount in force Dec 31, 1883, .... $1,043,01750 

Deposit notes received on outstanding risks, . . . 67,340 68 

Losses incurred during the year, 87 50 

Percentage of profits or surplus returned during 1883, 100 per cent. 



64 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



SPINNERS' MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated Feb. 12, 1881. Commenced business April 1, 1881.] 

Edward Atkinson, President. William B. Whiting, Secretary, 

Office, 131 Devonshire Street. 



$29,520 12 



Summary of Assets, Dec. 31, 1883. 
Cash deposited in New England Trust Co., $29,520 12 
Gross assets, . 



Liabilities 

Claimed and reported losses, not adjusted, 
Unearned premiums on outstanding risks, 
State and local taxes, due or accrued, 
Gross liabilities, .... 



Surplus, 



$8,109 28 

16,854 85 

71 07 



25,035 20 



$4,484 92 



Income. 

Gross cash premiums received during the 

year, 

Deduct return premiums, .... 
Net cash premiums received, 
Received for interest from all sources, 
Deposit notes received during the year, 

Gross cash income, .... 



,144 29 
1,805 47 



,721 45 



,338 82 
762 35 



Expenditures. 
Paid for losses during the year, .... 

for salaries and fees of officers and employees, 
for State and local taxes, ..... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 

Gross cash expenditures, .... 



Miscellaneous. 

Risks outstanding Dec. 31, 1882, . . . $2,995,881 00 



$35,101 17 



$6,623 64 

1,678 02 

314 67 

14,345 54 
133 80 
527 91 

$23,623 58 



Risks written during 1883, . 
Total, .... 
Risks terminated during 1883, 



4,488,775 00 



$7,484,656 00 
3,333,481 00 



Net amount in force Dec. 31, 1883, $4,151,175 00 

Deposit notes received on outstanding risks, . . . 168,548 50 

Losses incurred during the year, 8,566 30 

Percentage of profits or surplus returned during 1883, 56 T 8 5 5 ^ per cent. 
Average rate to date, 62 t 6 q 8 q per cent. 



1883.] 



INSURANCE COMPANIES. 



65 



TRADERS 1 AND MECHANICS' MUTUAL FIRE INSURANCE 
COMPANY, LOWELL. 

[Incorporated June, 1848. Commenced business June, 1848.] 

Levi Sprague, President. Edward M. Tucke, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



Boston and Lowell Railroad bonds, . 

Conn, and Passumpsic Railroad bonds, 

Cambridge city bonds, 

Cook County bonds, . . . 

Lowell city bonds, .... 

Lynn city bonds, . . . 

329 shares Traders' and Mechanics' Insur 
ance Company, 
Connecticut River Railroad, 
Vermont and Mass. Railroad, 
Lowell Gas Company, 
Lawrence Gas Company, . 
Middlesex Company, . 
Massachusetts Cotton Mills, 
Tremont and Suffolk Mf ' g Co., 
Vassalborough Mills, . 
Merrimack Manufacturing Co., 
Androscoggin Mills, . 
Lowell Manufacturing Co., 
Bank of North America, . 
Old Lowell Bank, 



50 
25 
100 
50 
15 
3 
30 
50 



20 

5 

20 

30 



Par value. 

$15,000 00 
1,000 00 
5,000 00 
2,000 00 
3,000 00 
5,000 00 

32,900 00 
5,000 00 
2,500 00 

10,000 00 
5,000 00 
1,500 00 
3,000 00 
3,000 00 
5,000 00 
8,000 00 
2,000 00 
3,450 00 
2,000 00 
3,000 00 



Market value. 

$17,250 00 
1,170 00 
5,500 00 
2,000 00 
3,360 00 
5,750 00 

32,900 00 
8,350 00 
3,325 00 

16,000 00 
6,250 00 
3,000 00 
3,516 00 
4,650 00 
2,500 00 

10,400 00 
2,600 00 
3,250 00 
2,200 00 
3,600 00 



$117,350 00 $137,571 00 



Securities held as collateral for cash loans : — 



Boston and Lowell Railroad bonds, . 
New York and New England R.R. bonds, 
Chicago city bonds, .... 

10 shares Bates Manufacturing Co., . 
100 " Pewabic Manufacturing Co , 

7 " Suburban Telephone Co., . 
100 " St. Louis and San Francisco R.R., 

55 " Nashua and Lowell Railroad, 
Leavenworth, Top. and S. W. R.R. bonds, . 



Market value. Loaned thereon. 

$10,750 00 $10,000 00 



2,250 00 

8,500 00 

6,875 00 

10,875 00 



3,600 00 

6,000 00 

6,100 00 

10,000 00 



66 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Market value. Loaned thereon. 



3 shares Merrimack Manufacturing Co., 
65 " Hibernia Insurance Co., N. O., 

200 " Erie Telephone Co., . 
27 " New England Telephone Co., 

1 share Lowell Manufacturing Co., 

Personal loans, . . . 



$3,900 00 


$3,400 00 


7,800 00 


2,500 00 


5,000 00 


4,500 00 


1,550 00 


1,250 00 


650 00 


400 00 


- 


26,130 00 


_ 


$73,880 00 



Summary of Assets, Dec. 31, 1883. 



Loans on mortgage of real estate (first liens) , 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash deposited in bank, .... 
Premiums in course of collection (net), 
Interest due and accrued, . 

Gross assets, ...... 



$140,115 00 

137,571 00 

73,880 00 

23,121 48 

3,241 25 

3,550 25 



$381,478 98 



Liabilities. 

Unearned premiums on outstanding risks, . 
Gross liabilities, 



$126,682 98 



126,682 98 



Surplus, $254,796 00 



Income. 

Gross cash premiums received during the 

year, . . $64,470 64 

Deduct return premiums, . . . . 2,112 87 

Net cash premiums received, . . . $62,357 77 

Received for interest from all sources, .... 18,865 60 
Deposit notes received during the year, . $64,499 85 

Gross cash income, $81,223 37 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, . 
for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for rents, 



$19,569 47 

8,653 18 

4,406 39 

822 34 

21,509 95 

150 00 



Gross cash expenditures, 



$55,111 33 



1883.] INSURANCE COMPANIES. 67 



Miscellaneous. 



Risks outstanding Dec. 81, 1882, 
Risks written during 1883, . 
Total, .... 
Risks terminated during 1883, 



. $17,003,494 00 
. 4,587,095 00 

. $21,590,589 00 

. 3,968,668 00 



Net amount in force Dec. 31, 1883, . . . . $17,621,921 00 

Deposit notes received on outstanding risks, . . . 253,365 96 

Losses incurred during the year, 19,356 23 

Percentage of profits or surplus returned during 1883, 20, 30 and 50 
per cent. 



WESTFORD MUTUAL FIRE INSURANCE COMPANY, WEST- 
FORD. 

[Incorporated March 20, 1840. Commenced business July, 1840.] 

Allen Cameron, President. J. Henry Read, Secretary. 

Summary of Assets, Dec. 31, 1883. 

Loans on mortgage of real estate (first liens), $1,000 00 
Loans on personal security, as per schedule, 100 00 

Cash in the office of the company, . . 62 23 

Deposited in savings banks, . . 2,269 78 
Interest due, ...... 240 00 

Gross assets, — $3,672 01 

Liabilities. 

Unearned premiums on outstanding risks, . 1,718 83 

Gross liabilities, $1,718 83 



Surplus, $1,953 18 



Income. 

Gross cash premiums received during the 

year, $733 25 

Deduct return premiums, .... 3 00 

Net cash premiums received, . . . $730 25 

Deposit notes received during the year, . $2,199 75 



Gross cash income, ....... $730 25 



68 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Expenditures. 

Paid for losses during the year, $15 00 

for salaries and fees of officers and employees, . 10 00 

for State and local taxes, 8 50 

for incidental expenses, 17 25 



Gross cash expenditures, $50 75 

Miscellaneous. 
Risks outstanding Dec. 31, 1882, . . $328,820 00 
Risks written during 1883, .... 80,235 00 

Total, $409,055 00 

Risks terminated during 1883, 80,325 00 



Net amount in force Dec. 31, 1883, ..... $328,73000 
Deposit notes received on outstanding risks, . . . 7,969 44 

Losses incurred during the year, 15 00 



WEST NEWBURY MUTUAL FIRE INSURANCE COMPANY, 

WEST NEWBURY. 

[Incorporated April, 1828. Commenced business March, 1828.J 

Wm. Merrill, President. Henry T. Bailey, Secretary. 

[Note. — This company charges no cash premium, but relies upon 
assessments on deposit notes to pay losses and expenses.] 

Summary of Assets, Dec. 31, 1883. 

Cash in the office of the company, . . $173 00 

Office furniture, . . . . $140 00 

Gross assets, $173 00 

Liabilities. 

Rents, salaries and incidental expenses, . $535 00 

Gross liabilities $535 00 

Income. 

Received for interest from all sources, .... $7 54 

from assessments on deposit notes, ... 4 40 

from policy fees, 131 00 

Deposit notes received during the year, . $16,163 35 



Gross cash income, $142 94 



1883.] INSURANCE COMPANIES 69 



Expenditures. 

Paid for losses during the year, .... 

for salaries and fees of officers and employees, 
for State and local taxes, .... 

for rents, 

for incidental expenses, .... 



$598 48 


542 


00 




05 


15 


00 


54 


00 



Gross cash expenditures, $1,209 53 

Miscellaneous. 
Risks outstanding Dec. 31,1882, . . . $2,392,81100 
Risks written during 1883, . . . . 274,165 00 

Total, $2,666,976 00 

Risks terminated during 1883, . . ... . . 237,022 00 



Net amount in force Dec. 31, 1883, . . . ■ . . $2,429,954 00 
Deposit notes received on outstanding risks, . . . 128,295 07 
Losses incurred during the year, . . . . . 598 48 



WORCESTER MANUFACTURERS' MUTUAL FIRE INSURANCE 
COMPANY, WORCESTER. 

[Incorporated March 31, 1855. Commenced business March 31, 1855.] 

George M. Rice, President. Samuel R. Barton, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

Boston and Albany Railroad bonds, . . $26,000 00 $31,915 00 

Boston and Fitchburg Railroad bonds, . 15,000 00 18,412 50 

Old Colony Railroad bonds, . . . 25,000 00 30,687 50 

Providence and Worcester Railroad bonds, 13,000 00 15,340 00 

New York and New England R. R. bonds, 15,000 00 13,500 00 

Chicago, Burl, and Quincy Railroad bonds, 25,000 00 21,625 00 

United States bonds, 10,000 00 12,275 00 

Worcester city bonds, 10,000 00 11,500 00 

City National Bank stock (Worcester), . 6,000 00 6,600 00 

Corporation notes, - 35,000 00 

$196,855 00 

Summary of Assets, Dec 31, 1883. 

Stocks, bonds, etc., as per schedule, . . $196,855 00 
Cash in the office of the company, . . 36 39 

Cash deposited in bank, .... 33,470 05 

Gross assets, $230,361 44 



70 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Liabilities. 

Claimed and reported losses, not adjusted, . $26,000 00 

Unearned premiums on outstanding risks, . $7,085 39 

State and local taxes due or accrued, . . 334 71 

Gross liabilities, 



$113,420 10 



Surplus, $116,941 34 



Income. 

Gross cash premiums received during the 

year, 

Deduct return premiums, 
Net cash premiums received, 
Received for interest from all sources, 

from all other sources, . 
Deposit notes received during the year, 

Gross cash income, 



$179,176 75 
5,005 97 



$895,883 75 



$174,170 78 

10,962 24 

3 47 



$185,136 49 



Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employees, 

for inspections, 

for State and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for incidental expenses, .... 

Gross cash expenditures, 



Miscellaneous. 

Risks outstanding Dec. 31, 1882, . . $18,920,225 00 

Risks written during 1883, .... 19,638,542 00 



$65,236 06 
4,166 80 
2,062 50 
1,737 94 

104,598 35 

500 00 

1,007 68 

$179,309 33 



Total, .... 
Risks terminated during 1883, 



■$38,558,767 00 
. 18,906,225 00 



Net amount in force Dec. 31, 1883, .... $19,652,54200 
Deposit notes received on outstanding risks, . . ; 874,506 85 

Losses incurred during the year, 45,346 37 

Percentage of profits or surplus returned during 1883, $%^q per cent. 
Average rate to date, 63 T % 5 o per cent. 



1883.] 



INSURANCE COMPANIES. 



71 



WORCESTER MUTUAL FIRE INSURANCE COMPANY, 

WORCESTER. 

[Incorporated February, 1823. Commenced business Marcb, 1824.] 

Ebenezer Torrey, President. C. M, Miles, Vice-President. 

R. F. Upham, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States 4 per cent, bonds, . . . $20,000 00 $24,800 00 

Union Pacific Railroad, .... 5,000 00 5,775 00 

Boston, Barre and Gardner Railroad bonds, 12,000 00 12,000 00 

170 shares Worcester Natfl B'k, Worcester, 17,000 00 21,760 00 

200 " City Nat'l Bank, Worcester, . 20,000 00 24,000 00 

50 " Citizens 1 Nat'l Bank, Worcester, 5,000 00 6,000 00 

22 " Central Nat'l Bank, Worcester, 2,200 00 3,080 00 

57 u Mechanics' NatflB'k, Worcester, 5,700 00 6,954 00 

45 " Quinsigamond N'l B'k,Worcester, 4,500 00 4,500 00 

40 " Fitchburg National Bank, . . 4,000 00 6,000 00 

15 " Blackstone National Bank, . 1,500 00 1,650 00 

20 "" Oxford National Bank, . ' . 2,000 00 2,600 00 

15 " Grafton National Bank, . . 1,500 00 1,650 00 

15 " Southbridge National Bank, . 1,500 00 1,950 00 

30 " Westborough National Bank, . 3,030 00 3,450 00 

25 " Wachusett National Bank, . 2,500 00 4,950 00 

$107,430 00 $131,119 00 



Securities held as collateral for cash loans 



25 shares Worcester and Nashua R. R., 
10 " Norwich and Worcester R. R., 
10 " Bay State House, 
65 " Worcester Gas-Light Co., . 
15 " Chicago, Burl, and Quincy R. R 
Chic, Burl, and Quincy Railroad bond, 
600 shares Nashua and Rochester Railroad 
Personal loans, ..... 



} 



Summary of Assets, Dec. 
Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 



Market value. 

$1,500 00 

1,500 00 

2,250 00 

8,125 00 

2,800 00 

36,000 00 



31, 1883. 

$80,000 00 

252,611 00 

131,119 00 

58,300 00 



Loaned thereon. 

$1,200 00 
1,500 00 
1,850 00 
6,500 00 

2,000 00 

25,000 00 
20,250 00 

$58,300 00 



72 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Cash in company's office and in bank,. 
Premiums in course of collection (net), 
Interest due and accrued, . 

Gross assets, 

Liabilities. 

Losses and claims unpaid, . 
Unearned premiums on outstanding risks, 
Gross liabilities, .... 

Surplus, .... 

Income. 

Net cash premiums received, 
Received for interest from all sources, 

for rents, . 

from all other sources, . 
Deposit notes received during the year, 



Gross cash income. $147,496 78 



$10,131 67 




404 22 




8,328 21 






$540,894 10 




$5,000 00 




231,228 67 






236,228 67 




. 


$304,665 43 




$119,508 63 


• 


21,494 13 




5,721 92 


. 


772 10 


$119,508 63 





Expenditures. 

Paid for losses during the year, . . . 

for brokerage and commissions, .... 
for salaries and fees of officers and employees, . 

for State and local taxes, 

for profits or surplus on terminated policies, 
for incidental expenses, . . . . ' . 

Gross cash expenditures, 



$32,299 88 

13,775 17 

10,012 25 

2,319 30 

69,122 55 

4,381 81 

$131,910 96 



Miscellaneous. 



Risks outstanding Dec 31, 1882, 
Risks written during 1883, . 

Total, . 
Risks terminated during 1883, 



.$30,086,965 00 
. 8,280,978 00 



,367,943 00 
7,816,579 00 



Net amount in force Dec. 31, 1883 $30,551,364 00 

Deposit notes received on outstanding risks, . . . 462,457 35 

Losses incurred during the year, 31,537 94 

Percentage of profits or surplus returned during 1883, 60 per cent. 



1883.] 



INSURANCE COMPANIES. 



73 



AGGREGATE. 



Guaranty capital, 
Gross present assets, 



Assets. 



Liabilities. 
Gross present liabilities, 

Income. 
Cash received for premiums during the year, . 
for interest and dividends, . 
from assessments on deposit notes, 

for rents, 

from all other sources, 

Gross cash income, 



Expenditures. 

Cash paid for losses, 

for brokerage and commission on premiums, 
for salaries and fees of officers and employees 
for interest on borrowed money, 
for State and local taxes, . 
for return of profits or surplus, 

for rents, 

for dividends on guaranty capital, 
for all other expenditures, 

Total expenditures, .... 

General Items. 
Risks written during the year, . 

terminated during the year, . 

outstanding at eud of year, 

Amount of deposit notes received thereon, 

of losses incurred during the year, 

Net profits reserved by companies having guaranty 

capital, 



$300,000 
$7,174,164 
$3,034,619 



},516,817 

334,884 

2,319 

20,151 

4,340 



$2,878,511 



$851,750 

139,235 

179,818 

799 

32,517 

1,237,749 

14,997 

21,000 

57,166 



$2,535,031 



256,384,919 

231,828,844 

467,149,924 

14,394,560 

744,306 

105,908 



MASSACHUSETTS 

MUTUAL MAEINE INSURANCE COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1883. 



76 MASSACHUSETTS MUTUAL MARINE [Dec. 31, 



DETAILED STATEMENT OF ASSETS AND LIABILITIES. 



CHINA MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated April 30, 1853. Commenced business, Oct. 1, 1853.] 

William Perkins, President. Geo. L. De Blois, Secretary. 

Office, No. 52 State Street. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 4s, 

Town of Brookline bonds, . 

Town of Beverly bonds, 

Eastern Railroad bonds, 

100 shares Atlas Nat'l Bank, Boston, 



100 
100 
300 
300 

16 
120 
100 
300 
200 

30 
350 
100 
300 
150 
220 
120 

48 



Old Boston Nat'l Bank, Boston, 
Continental Nat'l Bank, Boston, 
Columbian Nat'l Bank, Boston, 
Hide and Leather Nat'l B'k, Bost'n, 
Massachusetts Nat'l B'k, Boston, 
North Nat'l Bank, Boston, . 
N. England Nat'l Bank, Boston, 
Republic Nat'l Bank, Boston, 
Second Nat'l Bank, Boston, 
State Nat'l Bank, Boston, . 
Tremont Nat'l Bank, Boston, 
Webster Nat'l Bank, Boston, 
Washington Nat'l Bank, Boston 
Commerce Nat'l Bank, Boston, 
Boston and Albany Railroad, 
Boston and Providence Railroad 
Boston and Lowell Railroad, 



Insurance scrip of other companies, 



Par value. 

$20,000 00 
10,000 00 
20,000 00 
10,000 00 
10,000 00 

5,000 00 
10,000 00 
30,000 00 
30,000 00 

4,000 00 
12,000 00 
10,000 00 
30,000 00 
20,000 00 

3,000 00, 
35,000 00 
10,000 00 
30,000 00 
15,000 00 
22,000 00 
12,000 00 
24,000 00 
320 00 



Market value. 

$24,600 00 
13,000 00 
21,000 00 
11,100 00 
12,300 00 

6,400 00 
10,800 00 
38,400 00 
33,300 00 

4,480 00 
15,480 00 
13,400 00 
38,400 00 
30,600 00 

3,870 00 
37,450 00 
10,900 00 
39,900 00 
17,250 00 
38,500 00 
20,040 00 
26,160 00 
100 00 



2,320 00 $467,430 00 



1883.] 



INSURANCE COMPANIES. 



77 



Securities held as collateral for cash loans 



Boston and Lowell Railroad note, 

New England Mortgage Security Co. bond, 

Endorsed notes, 

150 shares Union Pacific Railroad, 
Oregon Short Line Railroad bonds, . 
675 shares Atch., Top. and S. F. R.R., 
Corporation notes, .... 
Loans on personal security, 



Market value. 

$25,250 00 

1,020 00 

6,902 10 

10,600 00 

5,400 00 

53,000 00 



Loaned thereon* 

$25,000 00 
7,500 00 

[ 15,000 00 

50,000 00 
54,550 05 
55,779 10 



$207,829 15 



Summary of Assets, Pec. 31, 1883. 

Stocks, bonds, etc., as per schedule, . . $467,430 00 

Loans on collateral security, as per schedule, 207,829 15 

Cash deposited in bank, .... 47,152 26 

Interest due and accrued, .... 2,520 00 

Notes taken for marine and inland risks, . 251,493 05 

Gross assets, 



$976,424 46 



Liabilities. 

Losses claimed and reported, 
Unearned premiums on outstanding risks, 
Interest due or accrued on scrip, 
Due and accrued for rent, &c, . 
Commissions and brokerage, 

Gross liabilities, except scrip, 



$25,000 00 

*171,127 76 

19 80 

1,000 00 

500 00 



Surplus as regards policy-holders, 
Scrip outstanding, not ordered to be redeemed, 

Surplus over scrip, 



197,647 56 

$778,776 90 
643,710 00 

$135,066 90 



Income. 

Cash rec'd for marine and inland prein's, . $415,979 96 
Deduct re-insurance and return premiums, 64,038 94 

Net cash rec'd for marine and inl'd prem's, $351,941 02 

Interest and dividends received from all sources, . . 35,998 42 

Gross cash income, $387,939 44 



* Taken at 100 per cent. 



78 MASSACHUSETTS MUTUAL MARINE [Dec. 31, 



Expenditures. 



Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, — 

Cash paid for redemption of scrip, 

Interest paid scrip-holders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 
Risks and Premiums. 



$393,662 10 
33,534 09 



Marine risks outstanding Dec. 31, 1882, 
Marine risks written during 1883, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, . 



$9,516,538 00 
22,508,048 00 



.$32,024,586 00 
. 22,947,207 00 



),077,379 00 
940,946 00 



$360,128 01 
99,160 00 
39*916 20 
18,275 35 
20,340 00 
4,484 40 
12,140 63 

$554,444 59 



Premiums. 

$194,660 69 

395,784 38 

$590,445 07 
419,317 31 

$171,127 76 
10,954 55 



Net amount in force, 



1,136,433 00 $160,173 21 



Miscellaneous. 



Premiums received from organization of company, . $12,506,000 00 
Losses paid from organization of company, . . . 8,125,273 00 
Cash dividends declared from organization of company, . 2,599,057 00 
Marine and inland losses incurred during the year, . . 305,128 01 



INDIA MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated March 29, 1867. Commenced business May 22, 1867.] 

Whole amount of guaranty fund, $65,700 00 

Paid up in subscription notes, . 65,700 00 

Outstanding scrip not ordered to be redeemed 156,272 00 

John H. Dane, President. William L. Cavekly, Secretary. 

Office, No. 49 State Street. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

Framingham and Lowell Railroad bonds, . $10,000 00 $9,800 00 
Old Colony Railroad bonds, . . . 10,000 00 12,400 00 

Boston and Maine Railroad bonds, . . 5,000 00 6,200 00 



1883.] 



INSURANCE COMPANIES. 



79 



Boston and Albany Railroad bonds, . 
Fitchburg Railroad bonds, . 
Boston and Lowell Railroad bonds, . 
New York and New England R. R. bonds 
Nashua and Rochester Railroad bonds, 
New England Mort. Security Co. bonds, 
Metropolitan Railroad bonds, 

20 shares Highland Street Railway, . 
100 " Boston and Maine Railroad, 

75 " Boston and Providence R. R., 
150 " Old Colony Railroad, . 

60 " National Webster Bank, . 

15 " Hamilton National Bank, . 
United States bonds, .... 



Par value. 

$2,000 00 

23,000 00 
5,000 00 
5,000 00 

15,000 00 
6,000 00 
7,000 00 
2,000 00 

10,000 00 
7,500 00 

15,000 00 
6,000 00 
1,500 00 
5,000 00 



Market value. 

$2,440 00 

27,740 00 

5,600 00 

5,000 00 

15,000 00 

6,060 00 

7,570 00 

2,400 00 

16,000 00 

12,525 00 

20,850 00 

6,540 00 

1,770 00 

6,200 00 



$135,000 00 $164,095 00 



Summary of Assets, Dec. 31, 1883. 

Stocks, bonds, etc., as per schedule, . . $164,095 00 

Cash in the office of the company, . . 2,615 04 

Cash deposited in bank, .... 8,197 97 

Interest due and accrued, .... 1,394 16 

Notes taken for marine and inland risks, . 62,540 04 
Subscription notes on time not exceeding 

twelve months, not yet due, . . . 65,700 00 

Gross assets, . . ... . 



$304,542 21 



Liabilities. 

Losses adjusted, unpaid, . 

Losses claimed and reported, 

Unearned premiums on outstanding risks, 

Interest due or accrued on scrip,. 

Due for borrowed money, . 

Gross liabilities, except guaranty fund 
and scrip 

Surplus as regards policy-holders, 

Guaranty fund, 

Scrip outstanding, not ordered to be re- 
deemed, 



$14,300 00 

2,000'00 

*43,556 53 

136 16 

10,000 00 



$65,700 00 
156,272 00 



69,992 69 



$234,549 52 



221,972 00 



Surplus over guaranty fund and scrip, . 



$12,577 52 



* |38,306 at 60 per cent, and $5,250.53 at 100 per cent. 



80 MASSACHUSETTS MUTUAL MARINE [Dec. 31, 



Income. 

Cash rec'd for marine and inland premiums, 
Deduct re-insurance and return premiums, 
Net cash rec'd for marine and inland prem's, — 
Interest and dividends received from all sources, 
Income from all other sources, . 

Gross cash income, 



,131 76 
6,092 62 



194,039 14 

7,845 92 

43 60 



$101,928 66 



Expenditures. 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, — 

Interest paid scrip-holders, . ... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for rent, . . . . 

for incidentals, . . 

Gross cash expenditures, .... 



,669 75 
7,884 91 



,784 84 
7,789 22 
4,201 28 
10,700 00 
892 07 
2,500 00 
2,523 85 



$110,391 26 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1882, 
Marine risks written during 1883, 

Total, . . . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



^1,032,142 00 
4,858,299 00 



$5,890,441 00 

4,646,944 00 

$1,243,497 00 

43,000 00 



$57,893 46 
103,300 89 

$161,194 35 
92,100 44 



,093 91 
1,430 00 



$1,200,497 00 $67,663 91 



Miscellaneous. 

Premiums received from organization of company, . . $2,299,277 95 

Losses paid from organization of company, . . . 1,472,526 86 

Marine and«lnland losses incurred during the year, . . 87,358 31 



1883.] 



INSURANCE COMPANIES. 



81 



AGGREGATE. 



Whole amount of guaranty fund, 

in subscription notes, . 

of outstanding scrip not cancelled, 



Gross present assets, 



Assets. 



Liabilities. 



Gross present liabilities, 

Income. 
Cash received during the year for marine premiums, 
for interest and dividends, . 
from all other sources, . . 

Gross cash income, 

Expenditures. 
Gash paid during the year for marine losses, 

for brokerage and commissions on premiums, . 
for salaries of officers and employees, 

for State and local taxes, 

for redemption of scrip, 

for interest paid to scrip holders during the year, 
for incidental expenses, 

Gross cash expenditures, 



General Items. 
Marine risks written during the year, . 
Premiums charged or receivable thereon, 
Marine risks terminated during the year, 
Marine risks outstanding at end of year, 
Marine losses incurred during the year, 
Scrip dividends declared during the year, 



$65,700 

65,700 

799,982 



$1,280,966 



$267,641 



$445,980 

43,844 

44 

$489,868 



$441,913 
22,476 
31,040 
5,376 
99,160 
47,705 
17,165 

$564,835 



$27,366,347 

499,085 

27,594,151 

9,336,930 

392,486 

89,300 



MASSACHUSETTS 
JOINT-STOCK FIRE, MAEINE, AND FIRE-MARINE 

INSURANCE COMPANIES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year Ending 

December 31, 1883. 



S4 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



AMERICAN INSURANCE COMPANY, BOSTON. 

[Incorporated June 12, 1818. Commenced business June, 1818.1 

Francis Peabody, President. J. W. Field, Secretary. 

Paid-up Capital, $300,000. 

Office, No. 54 State Street. 



Detailed Statement of Stocks, Bonds, etc. 



444 shares Old Boston National Bank, 
.200 " Columbian National Bank, 

45 " National Eagle Bank, 
170 " Globe National Bank, 
142 " Hamilton National Bank, . 

62 " Jtfew England National Bank, 
100 " Suffolk National Bank, 
152 " State National Bank, . 
280 " National Union Bank, 
447 " Boston and Albany Railroad, 

13 " Boston and Lowell Railroad, 
8 " Merrimack Manufacturing Co., 
Boston and Albany Railroad bonds, . 
Chicago, Burl, and Quincy R. R bonds, 



Par value. 

^22,200 00 
20,000 00 

4,500 00 
17,000 00 
14,200 00 

6,200 00 
10,000 00 
15,200 00 
28,000 00 
44,700 00 

6,500 00 

8,000 00 
35,000 00 
50,000 00 



Market value. 

$28,860 00 

25,600 00 

4,916 25 

17,510 00 

16,756 00 

8,292 50 

11,900 00 

19,608 00 

39,900 00 

78,672 00 

7,150 00 

10,400 00 

42,787 50 

43,750 00 



$281,500 00 $356,102 25 



Securities held as collateral for cash loans : — 



Kansas City, St. Joe. and C. B. R. R. bonds, 
Galveston, Harrisb'g and S. Anto. R R. b 1 ds, 
St. Louis, K's City and Northern R R. bonds, 
Oregon Short Line Railroad bonds, . 
100 shares American Loan and Trust Co., . 
Ft. Scott, S. East, and Memphis R.R. bonds, 



Market value. Loaned thereon. 



$5,887 50 
Hl,550 00 
27,000 00 
10,800 00 
9,000 00 J 
11,880 00 



$4,100 00 

1 

y 52,000 00 



9,513 54 



$76,117 50 $65,613 54 



1883.] AND FIRE-MARINE INSURANCE COS. 85 



Summary of Assets, Dec. 31, 1883. 



Cash value of unencumbered real estate, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, 

deposited in bank, 
Interest clue and accrued, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, 

Reinsurance due, 

Premiums more than 3 mos. due, $836 17 
Gross assets, 



$64,000 00 

356,102 25 

65,613 54 

3,407 26 

21,862 07 

3,988 20 

5,217 65 

40,667 05 

450 00 

382 61 



$561,690 63: 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc , 
Commissions and brokerage, 
Due for reinsurance, .... 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, , 

Surplus over capital, 



$2,233 87 

11,913 68 

* 105,042 08 

260 00 

1,021 73 

650 47 

1,693 66 



122,815 49* 

$438,875 14 
300,000 00 

$138,875 14 



Income. 

Cash received for fire premiums, . . $104,420 77 
Deduct reinsurance and return premiums, . 10,808 23 

Net cash received for fire premiums, . . 

Cash rec'd for marine and inland premiums, $106,575 69 
Deduct reinsurance and return premiums, . 14,444 17 

Net cash rec'd for marine and inPd prem's, 

Unpaid premium notes received during the 

year, $ 25,664 42 

Interest and dividends received from all sources, 
Income from rents, 

Gross cash income, 



$93,612 54- 
92,131 52 



20,181 34 
2,025 00 

$207,950 40 



Of the marine premiums, $17,800.15 is taken at 60 per cent, and $31,594.65 at 100 per cent. 



86 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Expenditures. 

Net cash paid for fire losses, 
Cash paid for marine and inland losses, 
Deduct salvage and reinsurance, 
Net cash paid for marine and inland losses, 
Cash dividends paid, ..... 
paid for commissions and brokerage, 

salaries of officers and employees, 

State and local taxes, 

interest, 

incidentals, . . . 

Gross cash expenditures, 



$101,223 23 
1,069 33 



$42,891 05 



100,153 90 

29,895 00 

23,172 17 

16,557 80 

5,700 71 

611 83 

6,714 77 

$225,697 23 



Fire risks outstanding Dec. 31, 1882, 
Fire risks written during 1883, . 



Risks and Premiums. 

Premiums. 
. $10,904,385 00 $95,515 57 
. 13,313,564 00 101,653 44 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$24,217,949 00 $197,169 01 
'11,281,759 00 80,938 69 



$12,936,190 00 $116,230 32 
585,399 00 5,400 76 



:2,350,791 00 $110,829 56 



Marine risks outstanding Dec. 31, 1882, 
Marine risks written during 1883, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$5,006,328 00 
4,992,769 00 



,073 94 
58,110 38 



[59,999,097 00 $128,184 32 
5,734,765 00 66,457 75 



$4,264,332 00 $61,726 57 



Miscellaneous. 

Premiums received from organization of company, . . $8,500,000 00 

Losses paid from organization of company, . . . &,084,000 00 

Cash dividends declared from organization of company, . 2,625,000 00 

Dividends declared during the year (10 per cent.), . . 30,000 00 

Fire losses incurred during the year, 40,386 00 

Marine and inland losses incurred during the year, . . 86,378 00 

Company's stock owned by directors, , . . . 13,800 00 



1883.] AND FIRE-MARINE INSURANCE COS. 87 



BOSTON MARINE INSURANCE COMPANY, BOSTON. 

[Incorporated Dsc. 23, 1873. Commenced business Jan. 20, 1874.] 

Paid-up Capital, $1,000,000. 

Ransom B. Fuller, President. Thos. H. Lord, Secretary. 

Office, No. 17 State Street. 



Detailed Statement of Stocks, Bonds, etc 

Par value. 

United States bonds, $ 200,000 00 

Boston city bonds, 100,000 00 

Bangor city bonds, . . . . 10,000 00 

Cambridge city bonds, .... 2,000 00 

Boston and Albany Railroad bonds, . . 20,000 00 

New Mexico and South Pacific R. R. bonds, 30,000 00 

Toledo, Cincinnati and St. Louis R.R. bonds, 5,500 00 ^ 

Toledo, Delphos and Burlington R.R. bonds, 13,000 00 I 

Louisville, N. Albany and St. L. R.R. bonds, 10,000 00 J 

Toledo, Cincinnati and St. Louis R.R. bonds, 53,000 00 \ 

Toledo, Cin. and St. L. (debenture) R.R. b'ds, 12,500 00 / 

Iron Railroad bonds, . . . . . 25,000 00 

Oregon Short Line Railroad, . . . 10,000 00 

Oregon Short Line Railroad stock, . . 5,000 00 

Chicago, Burl, and Quincy Railroad bonds, 7,000 00 

Toledo, Delphos and Burl. Railroad bonds, 9,000 00 

Spring Grove, Avondale and Cin. R.R. b'ds, 2,000 00 

Southern Ohio Coal and Iron Co. bonds, . 1,000 00 

Atlantic and Pacific (income) R. R. bonds, 500 00 

Atchison, Topeka and Santa Fe R. R. stock, 172,500 00 

Chicago, Burl, and Quincy Railroad stock, 62,700 00 

Union Pacific Railroad stock, . . . 50,000 00 

Merchandise National Bank stock, . . 20,000 00 

Hoosac Tun'l Dock and Elevator Co. stock, 5,000 00 

Toledo and Delphos Trust certificates, . 50,000 00 

Louisville, Evansville and N". A. Trust cer., 3,000 00 



} 



Market value. 

$239,500 00 

116,125 00 

11,225 00 

2,000 00 

24,400 00 

34,875 00 

21,375 00 

16,375 00 

15,000 00 

10,000 00 

6,142 50 

2,750 00 

750 00 

105 00 

136,275 00 

75,553 00 

35,750 00 

19,200 00 

5,000 00 

12,500 00 

2,250 00 



$878,700 00 $787,150 50 



Securities held as collateral for cash loans : — 



Market value. Loaned thereon. 



300 shares Hallo well Granite Co,, 
Mexican Central Railroad bonds, 
315 shares Union Pacific Railroad bonds, 
Toledo, Cin. and St. Louis R. R. bonds, 
Toledo, Delphos and Burl. R. R. bonds, 
Mutual Union Telegraph Co. bonds, . 
270 shares Detroit, Hillsdale and S.W. R.R. 

10 " Merchants 1 Insurance Co., . 

10 " American Fire Hose M'f g Co., 



$45,000 00 
30,000 00 
23,625 00 
14,750 00 
750 00 
8,200 00. 
18,900 00- 
1,000 00 
1,250 00. 



$30,000 00 
25,000 00 
23,346 25 

23,207 14 



15,000 00 



88 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 3L 



Maple River Railroad bonds, 
Burlington and Missouri River R. R. bonds, 
100 shares China Manufacturing Company, 
100 " Pembroke Mills, 
New Mexico and So. Pacific R. R. bonds, 
Pueblo and Arkansas Valley R. R. bonds, 
137 shares Bodwell Granite Company, 
70 " American Fire Hose M'f'g Co., 
Old Colony Railroad bonds, 
10 shares Merchants' Insurance Company, 
Mexican Central Railroad bonds, 

59 shares At. and Gulf Stream Trans. Co., 
Mexican Central Railroad bonds, 

92 shares Boston and Bangor S. S. Co., 

60 " South Boston Gas-Light Co., 
30 " Mystic Rubber Company, . 
50 " Simpson's Pat. Dry Dock Co., 
United States bonds, .... 
Atchison, Topeka and Santa Fe R. R. bonds, 
Mexican Central Railroad bonds, 



Market value. 

$9,900 00 

9,000 00 

10,000 00 

10,000 00 

10,462 50 

1,120 00 

27,400 00 

8,750 00 

5,750 00 

1,000 00 

3,000 00 

2,950 00 

4,200 00 

6,900 00 

6,120 00 

4,500 00 

2,500 00 

2,295 00 

1,837 50 

1,200 00 



Loaned thereon^ 

! 115,000 00 



10,000 00 

9,000 oa 

13,300 00 
7,000 00 
5,000 00 

4,680 00 

3,600 00 
6,000 00 
4,000 00 
2,500 00 
2,000 00 
2,000 00- 
1,500 00 
1,200 00 



$272,360 00 $203,333 3$ 



Summary of Assets, Dec. 31, 1883. 



Loans on mortg'e of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in various banks, 
Interest due and accrued, .... 
Premiums in course of collection (gross), . 
Notes taken for marine and inland risks, . 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
Losses claimed and reported, 
Unearned premiums on outstanding risks, . 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, .... 



$91,000 00 

188 34 

787,150 50 

203,333 39 

6,798 90 
396,787 63 

2,788 26 
164,587 00 
584,625 30 



$2,237,259 32 



$2,919 79 

311,108 33 

f418,599 43 



732,627 55- 

il,504,631 77 
1,000,000 00 



$504,631 77 



* Total value of property mortgaged, . . $146,500 00 
Amount of insurance held as collateral, . 84,500 00 

f $394,8. r ,5.95 taken at 00 per cent, and $23,743.48 at 100 per cent. 



1883.] AND FIRE-MARINE INSURANCE COS. 



89 



Income. 

Cash rec'd for marine and inland premiums, $1,434,050 18 
Deduct reinsurance and return premiums, . 227,177 06 

Net cash rec'd for marine and inland prem's, $1,206,873 12 

Interest and dividends received from all sources, . . 78,084 88 

Gross cash income, $1,284,958 00 



Expenditures. 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, - 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for incidentals, . . 

Gross cash expenditures, .... 



,219,475 44 
165,921 20 



1,053,554 24 

100,000 00 

100,660 60 

35,038 15 

25,711 68 

84,574 80 

1,399,539 47 



Marine risks outstanding Dec. 31, 1882, 
Marine risks written during 1883, 



Risks and Premiums. 

Premiums. 

.$10,789,031 00 |651,425 72 
. 94,880,079 00 1,541,918 79 



Total, . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$105,669,110 00 $2,193,344 51 
. 93,348,042 00 1,468,727 43 



. $12,321,068 00 $724,617 08 
. 1,266,177 00 42,780 35 



.1,054,891 00 $681,836 73 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company. 
Dididends declared during the year (10 per cent.), . 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, .... 



59,946,938 02 

6,391,759 90 

530,000 00 

100,000 00 

1,280,520 91 

169,200 00 



90 MASS. JOINT-STOCK FIEE, MARINE, [Dec. 31, 



BOYLSTON MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 26, 1ST5L Commenced business Jan. S, 1873.] 

Paid-up Capital. $557,200. 

Joseph W. Balch. Pres ' Washington Glover. Secretary. 

Office, No. 30 Kilby Str\ 

Detailed Statement of Stocks, Bonds, etc. 

250 shares Merchants' Nat'l Bank, Boston, 

State Nat'l Bank, Boston. . 
100 " Merchandise Nat'l B'k, Boston, 
300 " Republic Nat'l Bank, Boston. 
300 i; Washington Nat'l B'k, Bos 
300 " Columbian Nat'l Bank, Boston, 
200 " Tremont Nat'l Bank, Boston, 

17 " New England Nat'l B'k, Boston 

67 M Revere Nat'l Bank, Boston, 

55 " Boston and Albany Railroad, 
4i B vd Providence R. R,. 

250 4i Fitchburg Railroad, . 
Boston and Providence Railroad bonds, 
Framingham and Lowell Railroad bonds, 
Cedar Rapids and Missouri River Railroad 

bonds, 

N. England Mortgage Security Co. bonds, 
United States bonds 

3448,900 00 $556,464 75 



Par value. 


Market value. 


125,000 I 


$33,437 50 


20,000 00 


25,800 00 


10,0 10 


9,600 00 


. 00 00 


38,400 


50/ ' C 


39,450 00 


30,000 00 


38,7< 


20,< 


21,4 


1,700 00 


2,273 75 


6,71 v 


: 


. 


9,680 00 


. 


50,1 i 


25,000 00 




100,000 00 


124,000 00 


25,( 


28.937 50 


§ .000 00 


33/34S 75 


. 


10,100 00 


51,000 00 


58,331 25 



Securities held as collateral for cash loans : — 



5 shares Boston and Providence Railroad, 
100 " First Nat'l Bank, Concord, N H . 
188 " Ocean Mills Company, 

74 " Davol Mills, .... 
100 " Shove Mills, . 
Toledo, Cin. and St. Louis Railroad bonds. 
Atch., Topeka and Santa Fe Railroad bonds. 
Chicago and W. Michigan Railroad bonds, . 
181 shares Cedar Rapids and Missouri River 

Railroad, 

Fremont, Elkhorn and Mo. Val. R.R. bonds. 
105 shares Roxbury Mills Corporation, 
150 " Lake Superior Iron Company, . 

52 H Ocean Mills Company, 



Market value. Loaned thereon. 



188 

20,000 00 
7*520 00^1 
4,400 00 i 
00 ! 

l.i: 
20,160 00 
4,350 00 

18,4 I f 

10.500 00 
7." K) 00 
:. 80 00. 



$40.' 
13,00 

)> 20,00.- 



} 



20,000 00 

00 

8,000 00 

18,000 00 



1883.] ' AND FIRE-MARINE INSURANCE COS. 91 



Market value. Loaned thereon. 



Eastern Railroad bonds, 

United States bonds, .... 

Cairo city bonds, 

Chicago, Burl, and Quincy R. R. bonds, 
Atch., Top. and Santa Fe Railroad bonds, 
Oregon Improvement Company bonds, 
N. England Mortgage Security Co. bonds, 
Eastern Railroad bonds, 



1,660 00 ^ 



j, $ 10,000 00 



1,140 00 

1,760 00 j 

1,760 00 J 

2,080 00 \ 

850 00 I 5,000 00 

3,030 00 J 

1,110 00 1,000 00 

$135,692 00 $110,400 00 



SUMMARY OF ASSETS, DEC 

Cash value of unencumbered real estate, . 
Loans on mort'ge of real estate (first liens*) , 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, 
Cash deposited in bank, 
Interest clue and accrued, . . 
Premiums in course of collection (gross) , 
Notes taken for marine and inland risks, 
Gross assets, . . . 

Liabilities. 

Losses claimed and reported, 
Losses disputed or resisted, . 
Unearned premiums on outstanding risks, 
Interest due or accrued on scrip, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 
Return premiums, .... 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 

Paid-up capital, 

Scrip outstand'g, not ordered to be red'm'd, 

Surplus over capital, .... 

Income. 

Cash received for fire premiums, 

Deduct reinsurance and return premiums, . 

Net cash received for fire premiums, . 



31, 1883. 

$16,000 00 

170,000 00 

3,272 95 

556,464 75 

110,400 00 

5,763 08 

40,470 86 

1,952 42 

49,001 64 

21,585 65 



$60,400 00 

13,000 00 

f206,107 97 

954 60 

300 00 

3,000 00 

1,200 00 



$78,410 00 



$391,162 81 
73,202 46 



,911 35 



284,962 57 

$689,948 78 
557,200 00 



132,748 78 



$317,960 35 



* Value of lands mortgaged $188,300 00 

Value of buildings thereon 138,500 00 

Amount of insurance held as collateral, . 127,750 00 
t Of the marine premiums $8,718.55 is taken at 60 per cent., and $13,013.67 at 100 per 
cent. 



92 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31 



Cash rec"d for marine and inland prem's, . $198,454 93 
Deduct reinsurance and return premiums, . 45,510 26 



Net cash rec'd for marine and inland prenfs, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from all other sources, 

Gross cash income, • 



$152,944 67 

9,115 00 

34,897 76 

47 32 

$514,965 10 



$219,438 41 
70,886 39 



Expenditures. 

Cash paid for fire losses, .... $214,465 94 
Deduct salvage and reinsurance, . . 15,461 44 

Net cash paid for fire losses, . . . 

Cash paid for marine and inland losses, 
Deduct salvage and reinsurance, 
Net cash paid for marine and inland losses, — 
Cash dividends paid, ...... 

Interest paid scrip-holders, . . . 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for rent and incidentals, 

Gross cash expenditures, .... 



$199,004 50 



148,552 02 

33,432 00 

4,836 60' 

69,488 25 

28,410 oa 

7,917 47 
32,199 19 

$523,840 OS 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
Fire risks written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



.525,625,506 00 
. 39,041,939 00 



$64,667,445 00 
30,255,083 00 



Premiums. 

$279,156 58- 
391,957 55 

$671,114 13 
280,509 0a 



$34,412,362 00 $390,605 13 
1,996,138 00 21,853 64 



. $32,416,224 00 $368,751 4£ 



Marine risks outstanding Dec. 31, 1882, 
Marine risks written during 1883, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 



$1,136,481 00 $31,640 98 
22,425,567 00 198,440 40- 



$23,562,048 00 $230,081 38 
22,384,010 00 194,683 69 



$1,178,038 00 
376,686 00 



35,397 60 
7,853 11 



Net amount in force, 



$801,352 00 $27,544 58 



1883.] AND FIRE-MARINE INSURANCE COS. 93 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$4,078,033 02 

2,312,942 19 

664,504 00 

33,432 00 

227,004 50 

146,702 02 

26,600 00 



DWELLING-HOUSE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 30, 1872. Commenced business Jan. 9, 1873.] 

Paid-up Capital, $300,000. 

€has. K. Nichols, President. Henry F. Perkins, Secretary. 

Office, No. 29 State Street. 



Detailed Statement of Stocks, Bonds, etc. 



100 shares Second National Bank, 

100 " Merchants' National Bank, 

100 " Republic National Bank, . 

100 " State National Bank, . 

100 " Suffolk National Bank, 

100 " Atlas National Bank, . 
Howard National Bank, 
Hide and Leather Nat'l Bank, 
New England National Bank, 
City National Bank, . 
Redemption National Bank, 
Union National Bank, . 
Eagle National Bank, 
Tremont National Bank, . 

Boston and Maine Railroad bonds, 

Boston and Albany Railroad bonds, . 

Boston and Providence Railroad bonds, 

Old Colony Railroad bonds, 

Boston and Lowell Railroad bonds, . 

Fitchburg Railroad bonds, . 

Vermont and Massachusetts R. R. bonds, 

" stock, 

Eastern Railroad bonds, . . . 

Revere town bonds, .... 



69 

50 
50 
50 
44 

30 

7 



Par value. 

$10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

6,900 00 

5,000 00 

5,000 00 

5,000 00 

4,400 00 

3,000 00 

700 00 

10,000 00 

10,000 00 

10,000 00 

20,000 00 

10,000 00 

8,000 00 

5,000 00 

5,000 00 

5,000 00 

12,000 00 



Market value. 

$15,325 00 

13,425 00 

12,900 00 

12,900 00 

11,900 00 

12,412 50 

12,200 00 

7,728 00 

6,687 50 

5,650 00 

6,387 50 

6,204 00 

3,270 00 

759 50 

12,400 00 

12,200 00 

12,200 00 

24,250 00 

11,525 00 

10,660 00 

6,675 00 

6,675 00 

5,550 00 

13,200 00 



$195,000 00 $243,084 00 



94 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $38,308 00 

Loans on rnort'ge of real estate (first liens*), 79,450 00 

Interest due or accrued thereon, . . . 794 58 

Stocks, bonds, etc., as per schedule, . . 243,084 00 

Cash in the office of the company, . . 7,604 07 

Cash deposited in bank, .... 13,807 25 

Interest due and accrued, .... 1,339 20 

Premiums in course of collection (gross), . 6,855 90 

Gross assets, . 



$391,243 00 



Liabilities. 

Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Dividends to stockholders unpaid, 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, ... 



$74,720 74 

171 00 

1,100 00 

1,142 65 



77,134 3$ 

$314,108 61 
300,000 oa 

$14,108 61 



Income. 

Cash received for fire premiums, . . $52,663 24 
Deduct reinsurance and return premiums, . 3,233 75 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from commissions, 

Gross cash income, 



$49,429 49 

3,797 6a 

12,282 22 

974 72 



,484. 03 



Expenditures. 

Net cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, . 



* Value of lands mortgaged, 
Value of buildings thereon, . . 
Amount of insurance held as collateral, 



» • 


$15,083 94 

12,304 oa 

8,078 62 
9,176 46 
5,128 12 
3,714 45 


• 


$53,485 59 


$87,400 00 
93,300 00 
93,300 00 





1883.] AND FIRE-MARINE INSURANCE COS. 95 



Fire risks outstanding Dec. 31, 1882, 
Fire risks written during 1883, . 



Risks and Premiums. 

Premiums. 
$18,572,862 00 $139,092 10 
9,155,490 00 58,837 39 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$27,728,352 00 $197,929 49 
8,041,301 00 56,810 56 



,687,051 00 $141,118 93 
55,375 00 311 24 



$19,631,676 00 $140,807 69 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (4 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$397,250 65 
77,119 35 
207,000 00 
12,000 00 
15,083 94 
39,100 00 



ELIOT INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 31, 1872. Commenced business Jan. 4, 1873.] 

Paid-up Capital, $200,000. 

Greenleaf C. George, President. Alonzo P. Curtis, Secretary. 

Office, No. 63 State Street. 



Detailed Statement of Stocks, Bonds, etc. 



Worcester and Nashua Railroad bonds, 
Fitchburg Railroad bonds, 
Northampton town bonds, 
Boston city bonds, 
United States bonds, . 
Massachusetts State bonds, 
165 shares Fitchburg Railroad, 

25 " Norwich and Worcester R. R. 

50 " Old Colony Railroad, 

50 " Vermont and Mass. Railroad, 
100 " Shawmut National Bank, . 

37 " National Revere Bank, 



Par value. 

$15,000 00 

25,000 00 

20,000 00 

25,000 00 

95,000 00 

15,000 00 

16,500 00 

2,500 00 

5,000 00 

5,000 00 

10,000 00 

3,700 00 



Market value. 

$15,000 00 

27,437 50 

22,800 00 

29,500 00 

109,250 00 

15,900 00 

19,965 00 

3,750 00 

6,975 00 

6,675 00 

11,600 00 

4,375 25 



$237,700 00 $273,227 75 



96 MASS. JOINT-STOCK FIKE, MARINE, [Dec. 31, 



Summary of Assets, Dec. 31, 1883. 



Loans on mort'ge of real estate (first liens*), 
Interest due or accrued thereon, . i 

Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, 
Cash deposited in National City Bank, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Gross assets, . . . ... 



$49,500 00 

2,696 14 

273,227 75 

4,491 51 

35,525 29 

3,046 50 

15,369 67 



$383,856 86 



Liabilities. 

Losses adjusted, unpaid, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, . 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$18,280 00 

67,368 78 

505 00 

875 00 

2,000 00 



Surplus over capital, 



89,028 78 

$294,828 08 
200,000 00 

$94,828 08 



Income. 

Cash received for fire premiums, . . $175,041 74 
Deduct reinsurance and return premiums, . 44,374 79 

Net cash received for fire premiums, . . $130,666 95 

Interest received on bonds and mortgages, . . . 3,067 80 

Interest and dividends received from all other sources, . 14,860 47 

Income from refunded taxes, etc., 572 15 

Gross cash income, $149,167 37 

Expenditures. 
Cash paid for fire losses, .... $95,491 92 
Deduct salvage and reinsurance, . . 1,231 60 

Net cash paid for fire losses, . . . $94,260 32 

Cash dividends paid, 1$,645 00 

paid for commissions and brokerage, . . . 27,172 63 

for salaries of officers and employees, . . 12,424 05 

for State and local taxes, 4,516 92 

for incidentals, 17,999 12 

Gross cash expenditures, $176,018 04 



* Value of lands mortgaged $40,000 00 

Value of buildings thereon 41,100 00 

Amount of insurance held as collateral, . 47,500 00 



1883.] AND FIRE-MARINE INSURANCE COS. 97 



Fire risks outstanding Dec. 31, 1382, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

$13,703,694 00 $171,542 02 
14,477,022 00 172,590 56 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



28,180,716 00 $344,132 58 
14,244,401 00 159,657 79 



$13,936,315 00 $184,474 79 
3,470,732 00 50,702 05 



$10,465,583 00 $133,772 74 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, . . 
Cash dividends declared from organizatiou of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



$1,220,860 22 
549,289 54 
190,000 00 

20,000 00 
101,015 32 

16,500 00 



EQUITABLE MARINE INSURANCE COMPANY, PROVINCE- 
TOWN. 

[Incorporated, 1845. Commenced business, 1846.] 

Paid-up Capital, $50,000. 

Joshua Paine, President. Lewis Nickerson, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



80 shares Freeman's Nat'l Bank, Boston, 
15 " Revere Nat'l Bank, Boston, . 
15 " Traders' Natl Bank, Boston, 

15 " State Nat'l Bank, Boston, . 
45 " Republic Nat'l Bank, Boston, 

16 " Hide and Leather Nat'l B'k,Bost'n 
65 " First Nat'l Bank, Provincetown, 
18 " Boston and Albany R. R. Co., 

20 " Union Pacific Railroad Co., 
Old Colony Railroad bonds, 
New York and New England R. R. "bonds, 
Atch., Topeka and Santa Fe R. R. bonds, . 



Par value. 
$8,000 00 
1,500 00 
1,500 00 
1,500 00 
4,500 00 
1,600 00 
6,500 00 
1,800 00 
2,000 00 
5,000 00 
2,000 00 
2,000 00 



Market value. 

$9,500 00 
1,773 75 
1,245 00 
1,935 00 
5,760 00 
1,776 00 

10,400 00 
3,168 00 
1,495 00 
6,200 00 
1,960 00 
1,780 00 



98 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Chicago and North-Western R. R. bonds, 

Brookline town bonds, 

Arlington town bonds, 

Melrose town bonds, .... 

N. E Mortgage Security Co. bonds, . 



Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, 
Cash deposited in bank, 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, 

Liabilities. 

Losses claimed and reported, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



Par value. 


Market value. 


$2,000 00 


$1,995 00 


3,000 00 


3,660 00 


2,000 00 


2,360 00 


3,000 00 


3,780 00 


1,000 00 


1,000 00 


$18,900 00 


$59,787 75 


EC. 31, 1883. 




$59,787 75 




185 80 




9,652 72 




9,269 79 




19,054 01 




. - 


$97,950 07 


$4,000 00 




* 18,694 01 




5,000 00 





Surplus over capital, 



27,694 01 

$70,256 06 
50,000 00 

$20,256 06 



Income. 

Cash rec'd for marine and inland premiums, $31,092 62 
Deduct reinsurance and return premiums, . 864 69 

Net cash rec'd for marine and inl'd prem's, — 

Interest and dividends received from all sources, 

Gross cash income, 



$30,227 93 
3,121 69 

$33,349 62 



Expenditures. 
Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, . 

for salaries of officers and employees, 
for State and local taxes, . 
for rent and incidentals, 

Gross cash expenditures, . . . . 



$15,854 90 

5,000 00 

1,545 85 

1,200 00 

416 23 

266 48 

$24,283 46 



* Taken at 100 per cent. 



1883.] AND FIRE-MARINE INSURANCE COS. 99 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



Premiums. 

$307,454 00 $20,943 65 
641,968 00 30,391 53 



$949,422 00 $51,335 18 
667,780 00 32,281 17 



$281,642 00 $19,054 01 
8,500 00 360 00 



$273,142 00 $18,694 01 



Miscellaneous. 

Premiums received from reorganization of company, . $72,562 75 

Losses paid from reorganization of company, . . . 26,461 10 

Cash dividends declared from reorganization of company, 18,000 00 

Dividends declared during the year (10 per cent.), . . 5,000 00 

Marine and inland losses incurred during the year, . . 19,854 90 

Company's stock owned by directors, .... 8,000 00 



FIREMEN'S FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 21, 1872. Commenced business Dec. 31, 1872.] 

Paid-up Capital, $300,000. 

Thomas W. Tucker, President. Henry C. Short, Secretary. 

Office, No. 48 Congress Street 



Detailed Statement of Stocks, Bonds, etc. 



City of Boston bonds, . 

of Charlestown bonds, 

of Lowell bonds, . 

of Chelsea bonds, 

of Somerville bonds, 

of Fall River bonds, 

of Cambridge bonds, 

of Lawrence bonds, 

of Providence bonds, 
Eastern Railroad bonds, 
Worcester and Nashua Railroad bonds, 
200 shares National City Bank stock, 
200 " Hamilton National Bank, 
45 " Webster Nat'l Bank, Boston, 



Par value. 

$20,000 00 
63,000 00 
15,000 00 
4,000 00 
10,000 00 
30,000 00 
11,000 00 
18,000 CO 
10,000 00 
22,500 00 
10,000 00 
20,000 00 
20,000 00 
4,500 00 



Market value. 

$23,700 00 
71,885 00 
16,800 00 
4,600 00 
10,000 00 
36.300 00 
11,460 00 
20,160 00 
10,092 50 
25,003 12 
10,000 00 
22,600 00 
23,600 00 
4,927 50 



100 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Loan to Brookline Gas Light Co., 

to Ipswich Mills, 

to Burlington Woolen Co., 

to Arlington Mills, 

to Continental Mills, 

to Laconia Co., . 

to Ocean Mills Co., 

Washington Mills, 

Saratoga Victory Manufacturing Co., 
United States bonds, 



Par value. 

$10,000 00 
25,000 00 
30,000 00 
30,000 00 
30,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
40,000 00 



Market value, 

$10,000 00 
25,000 00 
30,000 00 
30,000 00 
30,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
45,950 00 



$523,000 00 $562,078 12 



Securities held as collateral for cash loans : — 



10 shares Randolph National Bank, 
138 " Atlantic Cotton Mills, 
300 " National Tube Works, 
Boston and Lowell Railroad bonds, 
Old Colony Railroad bonds, 
Old Colony Railroad bonds, 
Oregon Railway and Nav. Co., scrip, 



Market value. 
$1,500 00 

19,320 00 

30,000 00 

2,360 00 

2,360 00 

1,180 00 

500 00 



Loaned thereon. 
f 1,000 00 

14,000 00 

20,000 0<\ 

1,700 00 

1,600 00 



} 



1,300 00 



$57,220 00 $39,600 00 



Summary of Assets, Dec. 31, 1883. 

Loans on mortg'e of real estate (first liens*), $153,000 00 

Interest due or accrued thereon, . . 1,937 56 

Stocks, bonds, etc., as per schedule, . . 562,078 12 

Loans on collateral security, as per schedule, 39,600 00 

Cash in the office of the company, . . 1 ,209 24 

Cash deposited in bank, .... 26,159 08 

Interest due and accrued, .... 2,685 49 

Premiums in course of collection (gross), . 11,029 29 
Premiums more than 3 mos. due, $543 46 

Gross assets, . . . . . . 



$797,698 78 



Liabilities. 

Losses, adjusted, unpaid, . • . $1,954 82 

Losses claimed and reported, . . . 17,817 00 

Unearned premiums on outstanding risks, . 105,413 54 

Dividends to stockholders unpaid, . . 190 00 



Value of lands raorgaged, .... $121,000 00 

Value of buildigs thereon 145,400 00 

Amount of insurance held as collateral, . 157,600 00 



1883.] AND FIRE-MARINE INSURANCE COS. 101 



Due and accrued for rent, salaries, etc., . $ 875 00 

State and local taxes, 1,500 00 

Commissions and brokerage, . . . 1,000 00 

Gross liabilities, except capital, . . 



$128,750 36 



Surplus as regards policy-holders, .... $668,948 42 
Paid-up capital, 300,000 00 



Surplus over capital, 



. $368,948 42 



Income. 

Cash received for fire premiums, . . . $178,999 55 
Deduct reinsurance and return premiums, . 45,718 39 

Net cash received for fire premiums, . . $133,281 16 

Interest received on bonds and mortgages, . . . 9,809 56 

Interest and dividends received from all other sources, . 30,089 88 

Income from all other sources, 250 00 

Gross cash income, $173,430 60 



Expenditures. 

Cash paid for fire losses, .... $72,930 32 

Deduct salvage and insurance, . . . 890 80 

Net cash paid for fire losses, 

Cash dividends paid, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for rent and incidentals, 

Gross cash expenditures, .... 



$72,039 52 

30,625 00 

18,410 58 

12,875 00 

9,009 92 

5,031 70 

. $147,991 72 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 
.$20,852,630 00 $237,745 60 
. 16,766,004 00 176,754 92 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



.$37,618,634 00 $414,500 52 
. 16,192,711 00 170,146 11 



. $21,425,923 00 $244,354 41 
. 2,810,139 00 40,824 60 



Net amount in force, 



.$18,615,784 00 $203,529 81 



102 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company, . .$1,533,598 46 

Losses paid from organization of company, . . . 695,189 92 

Cash dividends declared from organization of company, . 285,000 00 

Dividends declared during the year (10 per cent.) . . 30,000 00 

Fire losses incurred during the year, . . . . . 81,654 79 

Company's stock owned by directors, . . . . 16,300 00 



FIRST NATIONAL FIRE INSURANCE COMPANY, WORCESTER 

[Incorporated April, 1868. Commenced business Jan. 1, 1869.] 

Paid-up Capital, $200,000. 

Charles B. Pratt, President. R. James Tatman, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



City of Springfield bonds, . 

of New London bonds, 

of Worcester bonds, . 
Boston, Barre and Gardner R. R. bonds, 
Nashua and Rochester Railroad bonds, 
Worcester and Nashua Bailroad bonds, 
Norwich and Worcester Railroad stock, 
First National Bank, Worcester, stock, 
Worcester S. D. and Trust Co. stock, . 
Worcester Gas-Light Company stock, 



Par value. 
$6,000 00 
10,000 00 

3,500 00 

20,500 00 

11,000 00 

500 00 

5,000 00 
12,000 00 

7,000 00 

3,000 00 



Market value. 

$7,980 00 

13,700 00 

4,060 00 

22,960 00 

11,110 00 

505 00 

8,000 00 

19,800 00 

9,800 00 

4,950 00 



$78,500 00 $102,865 00 



Summary of Assets, Dec. 31, 1883. 



Loans on mort'ge of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Gross assets, 



$120,781 5Q 

2,398 98 

102,865 00 

7,100 94 

10,881 67 

1,00" 91 

13,217 38 



$258,253 3ft 



* Total value of property mortgaged, . . $238,900 00 
Amount of insurance held as collateral, . 62,480 00 



1883.] AND FIRE-MARINE INSURANCE COS. 103 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Commissions, brokerage, etc., 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, . 



Impairment of capital, 



$7,725 06 
7,275 00 
4,350 00 

$19,350 06 
9 00 

$19,341 06 

50,684 88 

2,643 48 



$72,669 42 

$185,583 96 
200,000 00 

$14,416 04 



Income. 



Cash received for fire premiums, 

Deduct reinsurance and return premiums, . 

Net cash received for fire premiums, . 

Interest and dividends received from all sources, 

Income from sales and commissions, . 

Gross cash income, ..... 



$93,258 39 
10,577 50 



$82,680 89 

12,703 42 

2,450 00 

$97,834 31 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash dividends paid, . . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees 
for State and local taxes, . 
for incidentals, .... 

Gross cash expenditures, 



$87,740 97 
7,574 42 



$80,166 55 
6,000 00 
15,556 11 
6,700 00 
3,822 78 
5,383 33 

1117,628 77 



Risks and Premiums, 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$7,131,918 00 
7,184,604 00 



Premiums. 
$94,059 24 
96,552 53 



$14,316,522 00 $190,611 77 
6,917,543 00 87,095 45 



r ,368,979 00 $103,516 32 
173,419 00 2,146 55 



$7,195,560 00 $101,369 77 



104 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 

Miscellaneous. 

Premiums receiver! from organization of company, . . $1,706,387 00 

Losses paid from organization of company, . . . 1,159,182 98 

Cash dividends declared from organization of company, . 104,000 00 

Dividends declared during the year (3 per cent.), . . 6,000 00 

Fire losses incurred during the year, 84,181 01 

Company's stock owned by directors, .... 73,C00 00 



GLOUCESTER FIRE INSURANCE COMPANY, GLOUCESTER* 

[Incorporated May 15, 1869. Commenced business March 28, 1870.] 

Paid-up Capital $100,000. 

Robert R. Fears, President. Joiin Cunningham, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



44 shares Gloucester National Bank, 
100 " C;ipe Ann National Bank, . 
20 " North National Bank, Boston, 
50 " Exchange Nat'l Bank, Boston, 
75 " Revere National Bank, Boston, 
20 " First National Bank, Boston, 
10 " Commonwealth N'l B'k, Boston 
10 " Redemption Nat'l Bank, Boston 
36 " Eliot National Bank, Boston, 
30 " Second Nat'l Bank, Boston, 
20 " Washington Nat'l Bank, Boston 

6 " Howard Nat'l Bank, Boston, 

7 " Boston National Bank, Boston, 
15 " First Nat'l Bank, Newbury port 
10 " Great Falls and Conway R. R., 
25 " Fitchburg Railroad, . 
35 " Old Colony Railroad, . 
22 " Boston and Albany Railroad, 

Eastern Railroad bonds, 
Chicago, Burl, and Quincy Railroad bonds 
New York and New England R. R. bonds, 
Boston city bonds, .... 
Cambridge city bonds, 



Par value. 
$4,400 00 
10,000 0) 
2,000 00 
5,000 00 
7,500 00 
2,000 00 
1,000 00 
1,000 CO 
3,600 00 
3,000 00 
2,000 00 
600 00 
700 00 
1,500 00 
1,000 00 
2,500 00 
3,500 00 
2,200 00 
6,500 00 
2,000 00 
5,000 00 
4,00(> 00 
5,000 00 



Market value. 

$5,940 00 

15,550 00 

2,592 50 

6,0'' 00 

8,868 75 

3,900 00 

1,120 00 

1,277 50 

4,464 00 

4,597 50 

2,630 00 

732 00 

820 75 

2,103 75 

275 00 

3,150 00 

4,970 00 

3,861 00 

7,223 12 

2,540 00 

5,000 00 

4,880 00 

6,050 00 



$76,000 00 $98,545 87 



* All the fire risks of this company were reinsured in the Westchester Fire Insurance 
Company, Jan. 31, 1884. 



1883.] AND FIRE-MARINE INSURANCE COS. 105 



Summary of Assets, Dec. 31, 1883. 

Loans on niort'ge of real estate (first liens*), $20,600 00 

Interest due or accrued thereon, . . . 468 83 

Stocks, bonds, etc., as per schedule, . . 98,545 87 

Cash in the office of the company, . . 234 44 

Cash deposited in bank, .... 2,710 09 

Interest due and accrued, .... 757 01 

Premiums in course of collection (gross), . 2,919 94 

Notes taken for marine and inland risks, . 2,593 00 

Gross assets, 



$128,829 18 



Liabilities. 

Losses adjusted, unpaid, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



Impairment of capital, 



$6,360 37 

22,285 61 

305 00 

348 89 

531 18 



29,831 05 



$98,998 13 
100,000 00 



,001 87 



Income. 

Cash received for fire premiums, . . $32,422 78 
Deduct reinsurance and return premiums, . 2,941 66 

Net cash received for fire premiums, . . $29,481 12 

Cash ree'd for marine and inPd premiums, $3,818 16 

Deduct reinsurance and return premiums,. 844 95 

Net cash ree'd for marine and inl'd prem's, 2,973 21 

Interest received on bonds and mortgages, . . . 1,298 08 

Interest and dividends received from all other sources, . 4,134 35 

Income from return tax, etc., ...... 837 21 

Gross cash income $38,723 97 



Expenditures. 



Cash paid for fire losses, 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, 



$29,601 41 
247 23 



$29,354 18 



* Value of lands mortgaged, .... $17,100 00 
Value of buildings thereon, .... 35,900 00 
Amount of insurance held as collateral, . . 27,200 00 



106 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, . . . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

State and local taxes, . 

Gross cash expenditures, . 



$699 06 




70 00 







$629 06 


. 


4,945 00 


. 


4,967 96 


• • 


4,081 22 


• 


1,757 12 


, . 


$45,734 54 



Eisks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminate d, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$30,200 00 
83,678 00 

$113,878 00 
90,028 00 

$23,850 00 
4,200 00 

$19,650 00 



Premiums. 

,403 42 
32,991 96 



$3,313,557 00 
2,618,803 00 

$5,932,360 00 
2,461,323 00 

$3,471,037 00 
3,500 00 



5,467,537 00 $44,514 25 



$73,395 

28,835 


38 
38 


$44,560 
45 


00 
75 



f 2,511 13 
3,438 33 

$5,949 46 
4,265 46 

§ 1,684 00 
336 00 

$1,348 00 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (5 per cent.), 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, . . , 



$639,544 47 

502,609 13 

67,500 00 

5,000 00 

31,100 14 

396 21 

35,300 00 



1883.] AND FIRE-MARINE INSURANCE COS. 107 



MANUFACTURERS 1 FIRE AND MARINE INSURANCE COM- 
PANY, BOSTON. 

[Incorporated Jan. 9, 1873. Commenced business, Jan. 9, 1873.] 
Paid-up Capital, $500,000. 
Samuel Appleton, President. Samuel H. Wise, Secretary 

Office, No. 59 State Street. 

Detailed Statement of Stocks, Bonds, etc. 



75 shares State National Bank, . 

40 " Atlantic National Bank, 
300 " Atlas National Bank, . 
268 " Eagle National Bank, 
250 " Second National Bank, 
200 " Shoe and Leather Nat'l Bank, 
150 " Shawmut National Bank, . 
282 " City National Bank, . 
150 " Hamilton National Bank, 

40 " Somerville Horse Railroad, 
Boston and Lowell Railroad bonds, . 
Cheshire Railroad bonds, 
Middlesex Horse Railroad bonds, 
United States bonds, .... 



Par value. 

$7,500 00 

4,000 00 

30,000 00 

26,800 00 

25,000 00 

20,000 00 

15,000 00 

28,200 00 

15,000 00 

2,000 00 

100,000 00 

52,000 GO 

25,000 00 

100,000 00 



Market value. 

$9,675 00 
6,160 00 
37,125 00 
29,279 00 
38,250 00 
19,000 00 
17,400 00 
31,584 00 
17,700 00 
2,120 00 

118,000 00 
57,535 00 
26,250 00 

124,000 00 



$450,500 00 $534,078 00 



Securities held as collateral for cash loans : 



300 shares Atch., Top. and S. F. Railroad, . 
Herdic Phaeton Company bond, . 
211 shares Washington Mills, 

4 " Laconia Company, 

40 " Northern Gas-Light Company, . 
Atlantic and Pacific Railroad subscriptions, 

5 shares Highland Street Railroad, . 

10 " Metropolitan Street Railroad, . 



Market value. Loaned thereon. 



$23,700 00 


$20,000 00 


1,000 00 


990 00 


7,174 00-) 




1,960 00 i 


10,100 00 


1,200 00 ) 




616 00 


300 00 


597 50^ 
740 00/ 


975 00 



$36,987 50 $32,365 



108 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Summary of Assets Dec. 31, 1883. 

Cash value of unencumbered real estate, . $86,950 54 

Loans on morfge of real estate (first liens*) , 35,800 00 

Interest due or accrued thereon, . . . 3,515 87 

Stocks, bonds, etc., as per schedule, . . 531,078 00 

Loans on collateral security, as per schedule, 32,365 00 

Cash in the office of the company, . . 8,325 46 

Cash deposited in bank, .... 103,194 73 

Interest due and accrued, .... 3,478 20 

Premiums in course of collection (gross), . 126,429 59 

Notes taken for marine and inland risks, . 11,411 48 

Rents due and accrued, . . . 1,300 00 

Chattel mortgage, 350 00 

Due from La Confiance Insurance Co. for 

premiums, secured, .... 140,349 44 

Gross assets, $1,087,578 81 



Liabilities. 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Unused balances of premium notes, . 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy -holders, 
Paid-up capital, . . . 

Surplus over capital, . 



$80,138 39 

1142,551 93 

1,031 SQ 

45,166 59 



568,888 77 

$518,689 54 

500,000 00 

$18,689 54 



Income. 

G&sh received for fire premiums, . . $371,789 93 
Deduct reinsurance and return premiums, . 142,864 70 

Net cash received for fire premiums, . . 

Cash rec'd for marine and inland premiums, 
Deduct reinsurance and return premiums, . 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages, 

DO' 

Interest and dividends received from all other sources, 
Income from rents, 

Gross cash income, 



$108,179 68 
30,703 44 



$728,925 23 



77,476 24 
2,416 19 

36,684 00 
4,049 77 

$850,451 43 



* Total value of property mortgaged, . . . $57,700 00 
Amount of insurance held as collateral, . . lf),750 00 
t Of the marine premiums, $10,269.93 is taken at 60 per cent, aud $S,160.28 at 100 per cent. 



1883.] AND FIRE-MARINE INSURANCE COS. 109 



$108,407 93 
23,280 58 



Expenditures. 

Cash paid for fire losses, .... $150,21478 

Deduct salvage and reinsurance, . . 33,473 07 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, . 



$422,741 71 



85,127 35 
20,000 00 
118,913 05 
36,010 65 
16,392 89 
90,758 07 

$790,003 72 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 

Total, . ... 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . . . 



. $79,169,385 00 

.101,599,177 00 

$180,768,562 00 

. 76,840,501 00 

$103,928,061 00 

6,082,720 00 



Premiums. 

$689,995 87 
899,716 04 



4,589,711 91 
687,967 25 

$901,744 66 
53,501 22 



$97,845,341 00 $848,243 44 



$1,527,289 00 
9,661,231 00 



£11,188,520 00 

9,793,832 00 

$1,394,688 00 

225,100 00 



$35,717 62 
89,392 35 

$125,109 97 
95,262 86 

$29,847 11 
4,570 27 



$1,169,588 00 $25,276 84 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (4 per cent.), 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, . . 



$7,251,763 28 

4,207,564 58 

395,000 00 

20,000 00 

447,482 94 

71,757 00 

52,700 00 



110 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



MERCANTILE FIRE AND MARINE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Feb. 11, 1823. Commenced business May 1823.] 

Geo R. Rogers, President. B. F. Field, Jr., Secretary. 

Paid-up Capital, $400,000. 
Office, No. 58 State Street. 

Detailed Statement op Stocks, Bonds, etc. 



100 shares Atlantic National Bank, 
200 " City National Bank, . 
200 " Columbian National Bank, 
214 " Eagle National Bank, 
300 " Globe National Bank, 
120 " Hamilton National Bank, . 
160 " New England National Bank, 
200 " North National Bank, 
37 " Railroad National Bank, . 
178 " State National Bank, . 
535 " Suffolk National Bank, 
200 " Tremont National Bank, . 
200 " Union National Bank, 
200 " Boston and Providence Railroad 
100 " Lyman Mills, 
United States bonds, .... 
New Bedford Railroad bonds, 
Boston and Albany Railroad bonds,' . 
Boston and Maine Railroad bonds, 
Fitchburg Railroad bonds, . . . 
Boston and Lowell Railroad bonds, . 
Boston city bonds, 
Charlestown water loan, 



Par value. 
$10,000 00 
20,000 00 
20,000 00 
21,400 00 
30,000 00 
12,000 00 
16,000 00 
20,000 00 
3,700 00 
17,800 00 
53,500 00 
20,000 00 
20,000 00 
20,000 00 
10,000 00 
15,000 00 
30,000 00 
30,000 00 
10,000 00 
25,000 00 
25,000 00 
65,000 00 
10,000 00 



Market value. 

$15,400 00 
22,400 00 
25,800 00 
23,326 00 
30,900 00 
14,160 00 
21,280 00 
25,800 00 
4,366 00 
22,606 00 
63,665 00 
21,400 00 
28,400 00 
33,400 00 
9,000 00 
17,100 00 
36,600 00 
36,600 00 
12,400 00 
30,750 00 
28,800 00 
77,350 00 
11,600 00 



$504,400 00 $613,103 00 



Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

United States bonds, $1,710 00 $1,550 00 



1883.] AND FIRE-MARINE INSURANCE COS. Ill 



Summary of Assets, Dec. 31, 1883. 

Loans on mort'gc of real estate (first liens*), $11,500 00 

Interest due or accrued thereon, . . . 595 00 

Stocks, bonds, etc , as per schedule, . . G 13,103 00 

Loans on collateral security, as per schedule, 1,550 00 

Cash in the oflice of the company, . . 897 37 

Cash deposited in bank, .... 9,723 48 

Interest due and accrued, .... 5,895 83 

Premiums in course of collection (gross), . 8,378 24 

Notes taken for marine and inland risks, , 25,301 33 

Gross assets, 



$706,944 25 



Liabilities. 

Losses claimed and reported, 

Losses disputed or resisted, 

Unearned premiums on outstanding risks, 

Due and accrued for rent, salaries, etc., 

Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$13,472 50 

1,500 00 

105,705 55f 

1,500 00 

625 00 



Surplus over capital, 



122,803 05 

$584,141 20 
400,000 00 

$184,141 20 



Income 

Cash received for fire premiums, . . $147,020 83 

Deduct reinsurance and return premiums,. 21,255 51 

Net cash received for fire premiums, . . 

Cash rec'd for marine and inland premiums, $89,556 46 

Deduct reinsurance and return premiums, . 28,970 49 

Net cash rec'd for marine and inPd prem's, — - 
Interest received on bonds and mortgages, 
Interest and dividends received from all other sources, 

Gross cash income, 



$125,765 32 



60,585 97 

2,000 00 

30,193 44 

$218,544 73 



Expenditures. 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 



,659 06 
86 89 



$75,416 54 



41,572 17 



* Value of lands mortgaged $24,800 00 

Value of buildings thereon 33,200 00 

Amount of insurance held as collateral, . 41,000 00 
t Of the marine premiums, $8,512.52 is taken at 60 per cent, and $8,113.07 at 100 per cent. 



112 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Cash dividends paid, 

Cash paid fur commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, . . 



$40,000 00 

31,528 53 

14,075 00 

6,771 49 

11,108 29 

$220,472 02 



Fire risks outstanding Dec. 31. 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

$20,364,983 00 $188,514 64 
15,580,671 00 148,357 85 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



$35,945,654 00 $336,872 49 
17,170,123 00 155,863 82 



,775,531 00 $181,008 67 
585,822 00 7,065 12 



,189,709 00 $173,943 55 



$2,723,156 00 30,207 14 
3,290,389 0J 77,569 90 



$6,013,545 00 $107,777 04 
3,493,628 00 83,977 23 



$2,519,917 00 $23,799 81 
26,000 00 1,499 20 



Net amount in force, 



. $2,493,917 00 $22,300 61 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$5,740,330 00 
4,366,509 05 
1,854,500 00 
40,000 00 
65,086 24 
26,725 72 
26,800 00 



1883.] AND FIRE-MARINE INSURANCE COS. 113 
MERCHANTS' INSURANCE COMPANY, BOSTON.* 

[Incorporated March 30, 1852. Commenced business January, 1853.] 

Paid-up Capital, $50,000. 

Charles A. Fuller, President. Elisha Whitney, Secretary. 

Office, 43 Devonshire Street. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

126 shares Beverly National Bank, 

80 " Naumkeag Nat'l Bank, Salem, 

67 " Merchants' Nat'l Bank, Salem, 

50 " Mercantile Nat'l Bank, Salem, 

5 " First National Bank, Salem, 

17 " Grand Nat'l Bank, Marblehead, 1,700 00 2,074 00 

20 l i Hide and Leather N'l B'k Boston, 2,000 00 2,240 00 

30 " Revere National Bank, Boston, . 3,000 00 3,547 25 

5 " Eagle National Bank, Boston, . 500 00 550 62 

2 " Merchants' Nat'l Bank, Boston, . 200 00 267 50 

20 " Merchandise Nat'l Bank, Boston, 2,000 00 1,920 00 

Boston and Albany Railroad bonds, . . 3,000 00 3,660 00 

50 shares Atch. Topeka and Santa Fe R. R. 5,000 00 3,950 00 

1 " Ports. Gt. Falls and Conway R. R. 100 00 25 00 



112,600 00 $15,750 00 

8,000 00 13,200 00 

3,350 00 4,690 00 

5,000 00 6,100 00 

500 00 610 00 



$46,950 00 $58,584 37 

Summary of Assets, Dec. 31, 1883. 

Stocks, bonds, etc., as per schedule, . . $58,584 37 
Cash in the office of the company, . 23 73 

Cash deposited in bank, .... 7,367 64 

Premiums in course of collection (gross), . 1,646 18 

Notes taken for marine and inland risks, . 1,213 00 

Gross assets, $68,834 92 

Liabilities. 

Losses claimed and reported, . . . $1,427 98 

Unearned premiums on outstanding risks, . 8,699 82f 

Gross liabilities, except capital, . . 10,127 80 



Surplus as regards policy-holders, .... $58,707 12 
Paid-up capital, 50,000 00 



Surplus over capital, .... . , . $8,707 12 



* Formerly •• Beverly Insurance Company," named changed by Act of Legislature, March 
24, 1883. 

t $6,857.02 taken at 60 per cent, and $1,842.80 at 100 per cent. 



114 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Income. 

Cash rec'd for marine and inland premiums, $17,184 77 
Deduct reinsurance and return premiums, . 1,512 15 

Net cash rec'd for marine and inland prem's, $15,672 62 

Interest and dividends received from all sources, . . 2,371 42 

Gross cash income, ....... $18,044 04 



Expenditures. 

Cash paid for marine and inland losses, . $6,005 36 

Deduct salvage and reinsurance, . . 1,542 64 

Net cash paid for marine and inland losses, $4,462 72 

Cash dividends paid, . 5,000 00 

Cash paid for commissions and brokerage, . . . 1,226 53 

for salaries of officers and employees, . . 1,800 00 

for State and local taxes, . . . . . 74 96 

for incidentals, 529 74 

Gross cash expenditures, $13,093 95 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1882, 
Marine risks written during 1883, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$122,246 00 
671,745 00 



$793,991 00 
537,836 00 



$256,155 00 
7,250 00 



Premiums. 

$8,912 89 
20,043 95 

$28,956 84 
15,327 91 

$13,628 93 
214 66 



$248,905 00 $13,414 27 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$396,098 81 

335,423 00 

63,250 00 

5,000 00 

7,433 34 

7,000 00 



1883.] AND FIRE-MARINE INSURANCE COS. 115 



NEPTUNE FIRE AND MARINE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Dec. 24, 1872. Commenced business Jan. 1, 1873.] 

Paid-up Capital, $300,000. 

George F. Osborne, President. Eugene B. Hinklet, Secretary. 

Office, No. 64 State Street. 



Detailed Statement of Stocks, Bonds, etc. 



700 shares Treinont National Bank, . 
100 " Union National Bank, 
50 " Globe National Bank, 
40 " Massachusetts National Bank, 
100 " Hamilton National Bank, . 
120 " Suffolk National Bank, 
120 " Revere National Bank, 
50 " Everett National Bank, 
75 " Shoe and Leather Natl Bank, 
50 " Hide and Leather Nat'l Bank, 
37 " Atlas National Bank, . 
90 " State National Bank, . 
42 " Columbian National Bank, 
50 " Howard National Bank. 
100 " New England Nat'l Bank, . 
50 " Faneuil Hall National Bank, 
200 " Old Boston National Bank, 
100 " National Bank of Redemption, 
100 " National Bank of Republic, 
120 " National Bank of Commerce, 
Boston and Maine Railroad bonds, 
Burlington & Mis. in Nebraska R. R. bonds 
Fitchburg Railroad bonds, . . 
Union Pacific Railroad bonds, 
Oregon Railway and Navigation Co. bonds 
Brookline water loan, . 
Fitchburg city bonds, .... 
United States bonds, .... 



Par value. 

$70,000 00 

10,000 00 

5,000 00 

10,000 00 

10,000 00 

12,000 00 

12,000 00 

5,000 00 

7,500 00 

5,000 00 

3,700 00 

9,000 00 

4,200 00 

5,000 00 

10,000 00 

5,000 00 

10,000 00 

10,000 00 

10,000 00 

12,000 00 

10,000 00 

24,000 00 

10,000 00 

20,000 00 

10,000 00 

10,000 00 

30,000 00 

50,000 00 



Market value. 

$75,250 00 

14,250 00 

5,150 00 

11,300 00 

11,800 00 

14,280 00 

14,190 00 

5,600 00 

7,125 00 

5,575 00 

4,578 75 

11,010 00 

5,376 00 

6,025 00 

13,375 00 

6,525 00 

13,000 00 

12,750 00 

12,850 00 

13,890 00 

12,300 00 

27,120 00 

12,400 00 

22,800 00 

10,600 0j 

13,100 00 

34,500 00 

57,500 00 



$389,400 00 $454,819 75 



Summary of Assets, Dec. 31, 1883. 



Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 
deposited in bank, 



$454,819 75 
7,408 25 
9,801 49 



116 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Interest due and accrued, .... $3,395 00 

Premiums in course of collection (gross), . 21,104 17 

Notes taken for marine and inland risks, . 9,298 47 
Premiums more than 3 mos. due, $105 56 

Gross assets, 



$505,827 13 



Liabilities. 

Losses adjusted, unpaid, 

Losses disputed or resisted, 

Unearned premiums on outstanding risks, 

Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$23,500 00 

1,000 00 

*102,160 86 

2,100 00 



Surplus over capital, 



128,760 86 

$377,066 27 
300,000 00 

$77,066 27 



Income. 

Cash received for fire premiums, . . $164,023 42 

Deduct reinsurance and return premiums, . 12,548 99 

Net cash received for fire premiums, . , 

Cash rec'd for marine and inland prem's, . $28,695 50 

Deduct reinsurance and return premiums, . 897 22 

Net cash rec'd for marine and inl'd prem's, 

Interest and dividends received from all sources, 

Gross cash income, 



$151,474 43 



27,798 28 
20,375 94 

$199,648 65 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees 
for State and local taxes, . 
for rent and incidentals, 
for profit and loss account, 

Gross cash expenditures, 



$92,038 31 
231 73 



$91,806 58 

15,026 81 

30,000 00 

24,772 60 

15,646 25 

3,525 75 

6,082 83 

2,105 72 



$188,966 54 



* The marine premiums ($12,481.98) are taken at 100 per cent. 



1883.] AND FIRE-MARINE INSURANCE COS. 117 



Fire risks outstanding Dec. 31, 1882, 
Fire risks written during 1883, . 



Risks and Premiums. 

Premiums. 

110,548,390 00 $130,721 15 
13,297X33 00 166,861 36 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1882, 
Marine risks written during 1883, 

Total 

Deduct risks expired and terminated, 



In force at end of year, 



$23,845,423 00 $297,582 51 
10,975,287 00 118,216 67 



$12,870,136 00 $179,365 84 
1,875 00 8 07 



$12,868,261 00 $179,357 77 



$1,197,095 00 
1,155,782 00 



^2,352,877 00 
1,504,216 00 



,388 13 
19,436 04 

$37,824 17 
25,342 19 



$848,661 00 $12,481 98 



Miscellaneous. 



Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$2,041,806 02 

1,328,411 44 

300,000 00 

30,000 00 

100,038 31 

17,526 81 

34,600 00 



NORTH AMERICAN INSURANCE COMPANY, BOSTON. 

[Incorporated December, 1872. Commenced business January 1, 1873.] 

Paid-up Capital, $200,000. 

Albert Bowker, President. Eugene E. Patridge, Secretary. 

Office, No. 70 State Street. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, . . . . . $50,000 00 $62,000 00 

Chic, Milwaukee & St. Paul R R. bonds, . 5,000 00 6,350 00 

Toledo, Delphos & Burlington R. R. bonds, 10,000 00 2,300 00 

Columbian National Bank stock, . . 5,000 00 6,450 00 

Eliot National Bank stock, .... 10,000 00 12,400 00 

Globe National Bank stock, . . . 10,000 00 10,300 00 

Merchants' National Bank stock, . . 15,000 00 20,100 00 



118 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Par value. 

City National Bank stock, . . . . $5,000 00 

Exchange National Bank stock, . . . 1,700 00 

Hide and Leather National Bank stock, . 2,900 00 

Old Boston National Bank stock, . . 12,500 00 

Boston National Bank stock, . . . 11,400 00 

Shoe and Leather National Bank stock, . 5,000 00 

State National Bank stock, .... 10,000 00 

Suffolk National Bank stock, . . . 10,000 00 



Securities held as collateral for cash loans : - 

Old Colony Railroad stock, 
Union Pacific Railroad bond, 
United States bonds, ..... 
Boston, Revere Beach and Lynn R R bonds, 

stock, 
Cambridge Railroad stock, .... 
Boston, Revere Beach and Lynn R. R. bonds, 
Lynn and Boston R. R. stock, 
New Mexico and So. Pacific R. R. bonds, . 
Pueblo and Arkansas Valley R. R bonds, . 
Atch., Topeka and Santa Fe R. R. bonds, . 



Summary of Assets, Dec 
Cash value of unencumbered real estate, . 
Loans on mortg'e of real estate (first liens*) , 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in the bank, 
Interest due and accrued, .... 
Premiums in course of collection (gross), . 
Chattel mortgage, . . . 

Gross assets, 



Market value. 

$5,650 00 

2,040 00 

3,233 50 

16,000 00 

13,395 00 

4,750 00 

12,900 00 

11,900 00 



$163,500 00 


$189,768 50 


Market value. 


Loaned thereon. 


§278 00 


$90 00 


1,140 00 


1,000 00 


575 00 


125 00 


3,341 25 >| 




465 00 


► 5,000 00 


1,596 00; 




5,568 75 


5,000 00 


2,800 00 


2,000 00 


13,980 00 >| 




2,325 00 


. 15,000 00 


2,520 00 J 




$34,589 00 


$28,215 00 


31, 1883. 




$12,110 23 




62,203 G3 




627 05 




189,768 50 




28,215 00 




806 83 




31,309 30 




500 80 




9,472 28 


• 


593 33 


iBtSSA fiOfi Q* 



Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 



$580 43 
2,420 84 
3,833 00 



* Value of lands mortgaged, .... $50,35000 
Value of buildings thereon, .... 75,30000 

Amount of insurance held as collateral, . 03,100 00 



1883.] AND FIRE-MARINE INSURANCE COS. 119 



Unearned premiums on outstanding risks, 
Dividends to stockholders, unpaid, 
Due and accrued for rent, salaries, etc., 
State and local taxes, .... 
Commissions and brokerage, 
Return premiums, .... 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$59,630 26 

205 00 

1,801 28 

489 09 

1,114 98 

75 00 



Surplus over capital, 



$70,149 88 

$265,457 07 
200,000 00 

$65,457 07 



Income. 

Cash received for fire premiums, . . $85,040 23 
Deduct reinsurance and return premiums, . 9,679 03 

Net cash received for fire premiums, . . $75,361 20 

Interest received on bonds and mortgages, . . . 3,854 90 

Interest and dividends received from all other sources, . 12,073 00 

Income from rents, 585 68 



Gross cash income, 



!,874 78 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash dividends paid, . 

paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for incidentals, 

Gross cash expenditures, . . . . 



$33,334 08 
1,814 22 



$31,519 86 

19,825 00 

9,629 35 

12,067 08 

3,749 88 

6,237 48 

$83,028 65 



Fire risks outstanding Dec. 31, 1882, 
Fire risks written during 1883, . 



Risks and Premiums. 

Premiums. 

.$12,879,913 00 $103,137 00 
. 12,906,777 00 88,248 57 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



. $25,786,690 00 $191,385 57 
. 11,677,516 00 77,787 58 



.$14,109,174 00 $113,597 99 
424,075 00 3,098 88 



Net amount in force, 



.3,685,099 00 $110,499 11 



120 MASS. JOINT-STOCK FIKE, MARINE, [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 

Fire losses during the year, 

Company's stock owned by directors, .... 



$689,400 20 

222,418 19 

200,000 00 

20,000 00 

28,922 39 

28,700 00 



PRESCOTT INSURANCE COMPANY, BOSTON. 

[Incorporated December 27, 1872. Commenced business January 15, 1873.] 

Paib-up Capital, $200,000. 

Franklin Greene, President. Francis H. Stevens, Secretary. 

Office, No. 42 Congress Street. 



Detailed Statement of Stocks, Bonds, etc. 



500 shares Webster National Bank, . 
112 " Atlas National Bank, . 
203 " Eliot National Bank, . 

10 " Eagle National Bank, 
100 " Merchandise National Bank, 
125 " Market National Bank, 

50 " New England National Bank, 
120 " Tremont National Bank, . 
125 " Second National Bank, 

48 " Blackstone National Bank, 

60 " Merchants 1 National Bank, 
100 " State National Bank, . 
100 " Globe National Bank, 
Boston and Lowell Railroad bonds, . 
Northern Pacific Terminal R. R. bonds, 
Kansas City, Lawrence and So. R. R. bonds, 
Cin., Ind., St. Louis and Chicago R.R. bonds, 
City of Cincinnati bonds, . . 
City of Cleveland bonds, 



Summary of Assets, Dec. 

Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (gross) , 
Gross assets, . . . . 



Par value. 

^50,000 00 
11,200 00 
20,300 00 

1,000 00 
10,000 00 
12,500 00 

5,000 00 
12,000 00 
12,500 00 

4,800 00 

6,000 00 
10,000 00 
10,000 00 
25,000 00 
30,000 00 
25,000 00 
10,000 00 
25,000 00 
20,000 00 



Market value. 

154,500 00 

13,860 00 

25,172 00 

1,092 50 

9,600 00 

11,562 50 

6,687 50 

12,870 00 

19,125 00 

4,848 00 

8,032 50 

12,900 00 

10,300 00 

29,500 00 

30,000 00 

27,000 00 

10,000 00 

32,250 00 

20,200 00 



$300,300 00 $339,500 00 

31, 1883. 
$339,500 00 

3,629 99 

2,734 54 

2,633 32 
19,790 18 

$368,288 03 



1883.] AND FIRE-MARINE INSURANCE COS. 121 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 
Unearned premiums on outstanding risks, 
Due for borrowed money, . 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 



$9,303 82 

14,460 00 

1,800 00 

112,978 68 

10,000 00 

3,532 53 



$152,075 03 

$216,213 00 
200,000 00 

$16,213 00 



Income. 

Cash received for fire premiums, . . $191,450 17 
Deduct reinsurance and return premiums, . 20,856 19 

Net cash received for fire premiums, . * . $170,593 98 

Interest and dividends received from all sources, . . 16,768 10 
Income from profit and loss account, ..... 286 38 

Gross cash income, $187,648 46 



Expenditures. 

Cash paid for fire losses, .... $128,415 91 
Deduct salvage and reinsurance, . . . 724 41 

Net cash paid for fire losses, .... 

Cash dividends paid, . . . ' . 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for rent and incidentals, 

Gross cash expenditures, .... 



$127,691 50 
10,000 00 
31,645 57 
11,600 00 
2,699 98 
14,369 59 

$198,006 64 



Fire risks outstanding Dec. 31, 1882, 
Fire risks written during 1883, . 



Kisks and Premiums. 

Premiums. 

$18,930,206 00 $216,714 85 
17,361,693 00 194,292 14 



Total, ...... 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



$36,291,899 00 $411,006 99 
16,576,513 00 180,237 52 



,715,386 00 $230,769 47 
363,443 00 4,812 11 



Net amount in force, . 



. $19,351,943 00 $225,957 36 



122 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company, . 

Losses paid from organization of company, 

Cash dividends declared from organization of company, 

Dividends declared during the year (5 per cent.), 

Fire losses incurred during the year, 

Company's stock owned by directors, , 



$1,740,051 29 
929,494 55 
176,000 00 
10,000 00 
133,690 19 
106,300 00 



SALEM MARINE INSURANCE COMPANY, SALEM. 

[Incorporated Feb. 6, 1856. Commenced business Feb. 7, 1857.] 
Paid-up Capital, $100,000. 
William Northey, President. Fred'k P. Richardson, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, . . . . . $10,000 00 $11,950 00 

Burlington and Mo. R. in Neb. R. R. bonds, 6,000 00 6,780 00 

Cedar Rapids and Missouri Railroad bonds, 5,000 00 6,150 00 

Consolidated Railroad of Vermont bonds, . 5,000 00 3,13125 

Phila., Wilmington and Balti R.R. bonds, . 5,000 00 5,275 00 

Fremont, Elkhorn and Mo. Val. R.R. bonds, 10,000 00 10,200 00 

Essex Railroad bonds, 900 00 900 00 

Sioux City and Pacific Railroad bonds, . 3,000 00 2,790 00 

Oregon RVay and Nav. Co. mort'ge bonds, 5,000 00 5,250 00 

Northern Pacific R.R. land grant bonds, . 5,000 00 5,112 50 

50 shares Chic, Burl and Quincy Railroad, 5,000 00 6,025 00 

50 " Chic, Iowa and Neb. Railroad, . 5,000 00 7,600 00 

50 " Fremont, Elkhorn & Mo. Val. R.R., - 500 00 

Cleveland city bonds, . . . . . 10,000 00 11,750 00 

Providence city bonds, . . . ' '. 5,000 00 5,785 50 

Cambridge city bonds 10,000 00 12,700 00 

Louisville city bonds, 5,000 00 5,400 00 

Minneapolis city bonds, .... 10,000 00 10,000 00 

Chicago city bonds, 1,000 00 1,100 00 

Manhattan Beach Improvement Co., bonds, 5,000 00 4,500 00 

30 shares Mercantile Nat'l Bank, Salem, . 3,000 00 3,510 00 

81 " Merchants' Nat'l Bank, Salem, . 4,050 00 5,508 00 

73 " Exchange Nat'l Bank, Salem, . 7,300 00 8,687 00 

98 " First National Bank, Salem, . 9,800 00 12,054 00 

100 " Naumkeag Nat'l Bank, Salem, . 10,000 00 16,000 00 

93 " North National Bank, Boston, . 9,300 00 12,055 12 



1883.] AND FIRE-MARINE INSURANCE COS. 123 



100 shares Second Nat 1 ! Bank, Boston, 



100 
75 
51 
30 
16 
21 



Webster National Bank, Boston, 
Commerce Nat'l Bank, Boston, . 
Atlantic National Bank, Boston, 
Merchants' Nat'l Bank, Boston, 
Shawmut Nati'l Bank, Boston, . 
Boston National Bank, Boston, . 



Par value. 

$10,000 00 
10,000 00 
7,500 00 
5,100 00 
3,000 00 
1,600 00 
2,100 00 



Market value. 

$15,300 00 

10,950 00 

8,681 25 

7,854 00 

4,016 25 

1,848 00 

2,467 50 



$193,650 00 $231,860 37 



Securities held as collateral for cash loans : 

Asbestos Packing Company stock, 
Burlington and Mo. R. in Neb. R. R. bonds, 
City of Louisville bonds, .... 
City of Cleveland bonds, .... 



Market value. Loaned thereon. 

$3,700 00 $3,000 00 
678 00 >| 
2,160 00 I 5,600 00 
3,525 00 J 



$10,063 00 $8,600 00 



Summary of Assets, Dec. 31, 1883. 

Stocks, bonds, etc., as per schedule, . . $231,860 37 

Loans on collateral security, as per schedule, 8,600 00 

Cash in the office of the company, . . 795 08 

Cash deposited in bank, . . . . 27,789 17 

Interest due and accrued, . . • . . 1,305 00 

Premiums in course of collection (gross), . 4,491 35 

Notes taken for marine and inland risks, . 14,430 50 

Gross assets 



$289,271 47 



Liabilities. 

Losses claimed and reported, 

Unearned premiums on outstanding risks, 

Dividends to stockholders unpaid, 

Due and accrued for rents, salaries, etc., 

Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$12,000 00 

27,028 51* 

55 00 

429 17 

296 55 



Surplus over capital, 



39,809 23 

. $249,462 24 
100,000 00 

. $149,462 24 



* Taken at 100 per cent. 



124 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Income. 

Cash rec'd for marine and inl'd premiums, $50,392 46 
Deduct reinsurance and return premiums, . 3,955 88 

Net cash rec'd for marine and inl'd prem's, $46,436 58 

Interest and dividends received from all sources, . . 12,856 02 

Gross cash income, $59,292 60 



Expenditures. 

Cash paid for marine and-inland losses, . $41,406 27 
Deduct salvage and reinsurance, . . 2,645 32 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employees 

for State and local taxes, . 

for rent and incidentals, 

Gross cash expenditures^ 



,760 95 

10,095 00 

2,987 00 

4,000 00 

480 75 

1,837 56 

$58,161 26 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1882, 
Marine risks written during 1883, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$710,441 00 

2,831,235 00 

$3,541,676 00 

2,940,083 00 



$601,593 00 
13,500 00 



Premiums. 

$28,252 87 
47,276 93 

$75,529 80 
47,928 29 

$27,601 51 
573 00 



$588,093 00 $27,028 51 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



,292,428 69 

960,122 50 

264,000 00 

10,000 00 

41,406 27 

13,700*00 



1883.] AND FIRE-MARINE INSURANCE COS. 125 



SHOE AND LEATHER INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 26, 1872. Commenced business Jan. 1, 1873 ] 

Paid-up Capital, $600,000. 

John C. Abbott, President. Charles A. Fuller, Secretary. 

Office, No. 1 6 Congress Street. 



Detailed Statement of Stocks, Bonds, etc. 



253 shares Shawmut National Bank, . 

50 " Merchandise National Bank, 
200 " Hamilton National Bank, . 
100 " Second National Bank, 

31 " Atlantic National Bank, 
117 " Tremont National Bank, . 

47 " Atlas National Bank, . 

62 " Merchants' National Bank, 
250 " Republic National Bank, . 

54 " Redemption National Bank, 

94 " North National Bank, 
100 " Third National Bank, 

25 " New England National Bank, 

75 " National Bank of Commerce, 

20 " Howard National Bank, . 

21 " Market National Bank, 
20 " Suffolk National Bank, 

Boston and Maine Railroad bonds, 

Boston and Albany Railroad bonds, . 

Eastern Railroad bonds, 

Boston and Lowell Railroad bonds, , 

Chicago, Burl, and Quincy Railroad bonds 

Old Colony Railroad bonds, 

Fitchburg Railroad bonds, 

United States bonds, . 

Providence city bonds, 

Newton city bonds, 

Boston city bonds, 

Worcester city bonds, . 

Woburn town bonds, . 

Arlington town bonds, 



Par value. 

$25,300 00 

5,000 00 

20,000 00 

10,000 00 

3,100 00 

11,700 00 

4,700 00 

6,200 00 

25,000 00 

5,400 00 

9,400 00 

10,000 00 

2,500 00 

7,500 00 

2,000 00 

2,100 00 

2,000 00 

7,000 00 

113,000 00 

21,000 00 

10,000 00 

20,000 00 

8,000 00 

18,000 00 

183,000 00 

25,000 00 

9,000 '00 

24,000 00 

50,000 00 

25,000 00 

18,000 00 



Market value. 

$29,348 00 

4,800 00 

23,600 00 

15,300 00 

4,774 00 

12,548 25 

5,816 25 

8,300 25 

32,031 25 

6,898 50 

12,181 75 

9,500 00 

3,350 00 

8,362 50 

2,440 00 

1,942 50 

2,380 00 

8,680 00 

137,300 00 

23,310 00 

11,025 00 

20,750 00 

9,593 75 

19,080 00 

209,992 50 

28,937 50 

11,475 00 

25,140 00 

54,000 00 

28,000 00 

20,160 00 



$682,900 00 $791,020 00 



126 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Summary of Assets, Dec. 

Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, .... 



31, 1883. 

$791,020 00 

1,966 86 

67,508 92 

5,105 00 

61,076 85 

76,150 57 



'$1,002,828 20 



Liabilities. 

Losses claimed and reported, 
Unearned premiums on outstanding risks, 
Due for special deposit, 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, 



1,619 00 

*278,362 48 

7,000 00 

5,000 00 



359,981 48 

$642,846 72 

600,000 00 

$42,846 72 



Income. 



Cash received for fire premiums, 



$367,877 94 



Deduct reinsurance and return premiums, . 55,335 01 

Net cash received for fire premiums, . . 

Cash rec'd for marine and inland premiums, $388,283 08 
Deduct reinsurance and return premiums, . 36,383 91 

Net cash rec'd for marine and inland prem's, 

Interest and dividends received from all sources, 
Income from collections, 

Gross cash income, 



$312,542 93 



351,899 17 

36,760 72 

782 05 

$701,984 87 



Expenditures. 

Cash paid for fire losses, .... 
for marine and inland losses, 
for commissions and brokerage, 
for salaries and incidentals, 
State and local taxes, 

Gross cash expenditures, 



$238,507 05 

278,551 27 

95,331 52 

64,242 83 

12,158 45 



,791-12 



* Of the marine premiums 
cent. 



3,917 ie taken at 60 per cent, and $12,023.22 at 100 per 



1883.] AND FIRE-MARINE INSURANCE COS. 127 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 
28,708,650 00 $349,441 50 
32,371,655 00 393,127 59 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



£61,080,305 00 $742,569 09 
28,832,674 00 329,061 48 



$32,247,631 00 $413,507 61 
822,827 00 7,414 77 



. $31,424,804 00 $406,092 84 



$1,250,393 00 
29,009,384 00 



$92,829 80 

366,470 12 

$459,299 92 

339,827 76 

$119,472 16 

2,571 91 

>,407,601 00 $116,900 25 



$30,259,777 00 

27,782,441 00 

$2,477,336 00 

69,735 00 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$4,276,499 36 

2,455,357 90 

265,000 00 

248,348 83 

279,256 27 

92,700 00 



SPRINGFIELD FIRE AND MARINE INSURANCE COMPANY, 

SPRINGFIELD. 

[Incorporated 1849. Commenced "business 1851.] 

Paid-up Capital, $1,000,000. 

J. N. Dunham, President. S. J. Hall, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States registered bonds, . 
Wakefield (Mass.) Water Co. reg'd bonds 
Boston and Albany Railroad bonds, . 
Kansas City, St. Joe. and C. B. RE. bonds 
Union Pacific Railroad bonds, . 
Chicago and Northwestern Railroad bonds 
Morris and Essex Railroad bonds, 
New York and Harlem Railroad bonds, 



Par value. 

$100,000 00 

50,000 00 

100,000 00 

100,000 00 

50,000 00 

50,000 00 

8,000 00 

10,000 00 



Market value. 

$135,000 00 
50,000 00 
122,000 00 
118,000 00 
53,000 00 
55,000 00 
10,000 00 
12,500 00 



128 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Chic , Milwaukee and St. Paul R. R. bonds, $10,000 00 $12,500 00 

St. Paul, Minn, and Manitoba Rail'y bonds, 50,000 00 55,000 00 

Chicago, Burl, and Quincy Railroad bonds, 10,000 00 8,800 00 

Detroit, Lansing and Northern R. R. bonds, 2,000 00 2,320 00 

100 shares Agawam Nat'l B'k, Springfield, 10,000 00 13,000 00 

150 " J. Hancock Nat'l B'k, " 15,000 00 18,750 00 

104 " Chicopee Nat'l Bank, " 10,400 00 16,640 00 

100 " Pynchon Nat'l Bank, " 10,000 00 17,000 00 

28 " Second Nat'l Bank, " 2,800 00 4,900 00 

200 " Third Nat'l Bank, " 20,000 00 35,000 00 

100 " City National Bank, « 10,000 00 12,800 00 

100 " Chapin Nat'l Bank, " 10,000 00 13,300 00 

116 " First National Bank, « 11,600 00 1,9,140 00 

75 " Ware National Bank, Ware, . 7,500 00 9,000 00 

34 " First Nat'l Bank, Northampton, . 3,400 00 4,250 00 

100 " Northampton Nat'l B'k, " 10,000 00 17,000 00 

10 " Monson National Bank, Monson, 1,000 00 1,250 00 

31 " First National Bank, Chicopee, . 3,100 00 4,960 00 

20 " Adams Nat'l Bank, N. Adams, . 2,000 00 2,840 00 

100 " Tremont National Bank, Boston, 10,000 00 10,800 00 

100 " Boston National Bank, Boston, . 10,000 00 11,700 00 

100 " New England N'l B'k, Boston, . 10,000 00 13,400 00 

100 " Commonwealth N'l B'k, Boston, 10,000 00 10,800 00 

100 " Merchandise Nat'l B'k, Boston, . 10,000 00 10,000 00 

100 " Merchants' Nat'l Bank, Boston, 10,000 00 13,700 00 

100 " Atlas National Bank, Boston, . 10,000 00 12,500 00 

200 " Howard National Bank, Boston, 20,000 00 ' 25,000 00 

100 " Webster National Bank, Boston, 10,000 00 11,000 00 

150 " Boylston National Bank, Boston, 15,000 00 17,550 00 

100 " Eliot National Bank, Boston, . 10,000 00 12,200 00 

100 " Nat'l B'k of Commerce, Boston, 10,000 00 12,500 00 

100 " Shawmut Nat'l Bank, Boston, . 10,000 00 11,500 00 

100 " Nat'l B'k of Commerce, N. York, '10,000 00 15,000 00 

200 " Fourth National Bank, N. York, 20,000 00 26,000 00 

100 " Metropolitan Nat'l B'k, N. York, 10,000 00 16,500 00 

100 " Franklin Co. N. B'k, Greenfield, 10,000 00 10,000 00 

100 " St. Paul N. B'k, St, Paul, Minn., 10,000 00- 10,000 00 

550 " Boston and Albany Railroad, . 55,000 00 96,250 00 

183 " Boston and Providence Railroad, 18,300 00 30,195 00 

500 " Connecticut River Railroad, . 50,000 00 83,000 00 

100 " Worcester, Nash. & Roch. R.R , 10,000 00 6,000 00 

1000 " N.Y., N. Haven & Hartford R.R., 100,000 00 180,000 00 

500 " N.Y. Cent. & Hudson Riv. R.R., 50,000 00 56,000 00 

200 " Old Colony Railroad, . . 20,000 00 28,000 00 

1000 " New York and Harlem R.R. . 50,000 00 100,000 00 

1000 " Chicago, Burl, and Quincy R.R., 100,000 00 120,000 00 

200 " Chicago, Milw. & St. Paul R.R., 20,000 06 23,200 00 



$1,345,100 00 $1,796,745 00 



1883.] AND FIRE-MARINE INSURANCE COS. 129 



Securities held as collateral for cash loans : — 



20 shares Agawam Nat'l B'k, Springfield, 
10 " Agawam Natl B% Springfield, 
95 " Quassaic N. B% Newburgh, N.Y., 
100 " Nonotuck Paper Co , Holyoke, . 
60 " Valley Paper Co., Holyoke, 
1 " Parsons Paper Co., Holyoke, . 



Market value. Loaned thereon. 



$2,600 00 

1,300 00 

625 00 

10,000 00 
8,400 00 

10,000 00 



$2,275 00 

1,000 00 

400 00 

15,000 00 



2,925 00 $18,675 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . f 103,150 00 

Loans on mort'ge of real estate (first liens*), 327,116 67 

Interest due or accrued thereon, . . . 8,363 28 

Stocks, bonds, etc., as per schedule, . . 1,796,745 00 

Loans on collateral security, as per schedule, 18,675 00 

Cash in the office of the company, . . 4,214 81 

Cash deposited in bank, .... 74,117 25 

Interest due and accrued, . . . . 27,671 54 

Premiums in course of collection (gross), . 201,000 0Q 

Notes taken for fire risks, .... 20,825 64 

Rents due and accrued, . . . • 828 25 

Reinsurance due, 2,926 38 

Gross assets '. . $2,585,633 82 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, . , 
Less reinsurance, . . . . 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



,504 91 
90,528 38 
15,049 68 

$172,082 97 
19,194 80 

$152,888 17 

1,001,650 16 

30,150 00 



Surplus over capital, . 



- 1,184,688 33 

. $1,400,945 49 

. 1,000,000 00 

. $400,945 49 



* Value of lands mortgaged, .... $230,500 00 

Value cf buildings thereon 353,500 00 

Amount of insurance held as collateral, . 260,250 00 



130 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Income. 



Cash received for fire premiums, 
Deduct reinsurance and return premiums, . 
Net cash received for fire premiums, . 
Interest received on bonds and mortgages, 



$1,736,792 22 
245,585 28 

$1,491,206 94 

17,078 90 

Interest and dividends received from all other sources, . 89,007 19 

Income irom rents, 4,151 50 



Gross cash income, 



. $1,601,444 53 



Expenditures. 

Cash paid for fire losses, .... $992,892 96 
Deduct salvage and reinsurance, . . 60,791 39 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$932,101 57 

100,000 00 

247,369 89 

54,812 31 

42,168 42 

137,498 65 

. $1,513,950 84 



Premiums. 



Risks and Premiums. 

Fire and tornado risks outstanding 

Dec. 31, 1882, ..... $126,040,821 00 $1,602,487 89 
Fire risks written during 1883, . . . 130,650,000 00 1,762,590 12 



Total,' $256,690,821 00 $3,365,078 01 

Deduct risks expired and terminated, . . 109,186,754 00 1,498,101 17 



In force at end of year, 



$147,504,067 00 $1,866,976 84 



Miscellaneous. 

Premiums received from organization of company, . 

Losses paid from organization of company, 

Cash dividends declared from organization of company, 

Dividends declared during the year (10 per cent.), . 

Fire losses incurred during the year, . 

Company's stock owned by directors, .... 



$15,924,006 21 
10,197,474 92 
1,692,042 00 
100,000 00 
924,368 74 
202,800 00 



1883.] AND FIRE-MARINE INSURANCE COS. 131 



WASHINGTON FIRE AND MARINE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Dec. 31, 1872. Commenced business Jan. 1, 1873.] 

Paid-up Capital, $1,000,000. 

Isaac Sweetser, President. A. Willard Damon, Secretary. 

Office, No. 38 State Street. 



Detailed Statement of Stocks, Bonds, etc. 



541 shares 


156 


(C 


581 


(C 


' 88 


C( 


18 


It 


44 


tt 


25 


It 


104 


It 


.520 


11 


60 


It 


170 


tt 


181 


tt 


11 


it 


119 


tt 


15 


tt 


23 


(t 


25 


tc 


65 


(C 


76 


tt 


75 


tt 


132 


tt 


115 


tt 


81 


tt 


204 


tt 


28 


tt 


27 


tt 


40 


tt 


100 


tt 


350 


tt 


100 


tt 


100 


tt 


50 


tt 


143 


tt 


100 


tt 


100 


tt 


10 


tt 



Atlas National Bank, . 
Blackstone National Bank, 
Columbian National Bank, 
Continental National Bank, 
Eliot National Bank, . 
Freeman's National Bank, 
Globe National Bank, 
Hamilton National Bank, . 
Merchants 1 National Bank, 
Merchandise National Bank, 
North National Bank, 
New England National Bank, 
Old Boston National Bank, 
State National Bank, . 
Shawmut National Bank, . 

Suffolk National Bank, . . 

Union Market National Bank, 

Washington National Bank, 

National Bank of Commerce, 

Nat'] Bank of North America, 

National City Bank, . 

National Eagle Bank, 

Nat'l Hide and Leather Bank, 

National Revere Bank, 

National Union Bank, . 

National Webster Bank, . 

Norwich and Worcester R. R. 

N. Y. Cent'l and H. R. R. R., 

Old Colony Railroad, . 

Union Pacific Railroad, , 

Chicago, Burl, and Quincy R. R 

Boston and Lowell Railroad, 

Boston and Albany Railroad, 

Fitchburg Railroad, . 

Northern Pacific Railroad, . 

Boston Gas-Light Company, 



Par value. 

$34,100 00 
15,600 00 
58,100 00 
8,800 00 
1,800 00 
4,400 00 
2,500 00 
10,400 00 
52,000 00 
6,000 00 
17,000 00 
18,100 00 
550 00 
11,900 00 
1,500 00 
2,300 00 
2,500 00 
6,500 00 
7,600 00 
7,500 00 
13,200 00 
11,500 00 
8,100 00 
20,400 00 
2,800 00 
2,700 00 
4,000 00 
10,000 00 
35,000 00 
10,000 00 
10,000 00 
25,000 00 
14,300 00 
10,000 00 
10,000 00 
5,000 00 



Market value. 

$42,198 75 
15,756 00 
74,368 00 
9,548 00 
2,232 00 
5,225 00 
2,575 00 
12,272 00 
69,550 00 
5,760 00 
22,036 25 
24,208 75 
715 00 
15,351 00 
1,740 00 
2,748 50 
2,125 00 
8,580 00 
8,979 00 
8,100 00 
14,916 00 
12,578 12 
9,031 50 
24,123 00 
3,990 00 
2,943 00 
6,000 00 
11,250 00 
48,825 00 
7,200 00 
12,050 00 
27,250 00 
25,168 00 
12,150 00 
5,100 00 
8,550 00 



132 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



United States bonds, .... 
Boston city bonds, .... 
Chicago, Burl, and Quincy R. R, bonds, 
Eastern Railroad bonds, 
Old Colony Railroad bonds, 
Union Pacific Railroad bonds, 
Cedar Rapids and Mo. River R. R. bonds, 
Pueblo and Arkansas Valley R. R. bonds, 
Northern Pacific Railroad bonds, 
Oregon and Trans-Cont'l R. R. bonds, 
Fremont, Elkhorn and Mo. Val. R.R. bonds 
Kansas City, Springfield and Mem. R.R. b 1 ds 
Kansas City, Lawrence and So. R. R. bonds 
Kansas City, St. Joe and C. B. R. R. bonds 
Nodaway Valley Railroad bonds, 
Saginaw and Western Railroad bonds, 



Securities held as collateral for cash loans 



320 shares India Orchard Mills, , 
10 " Commercial Wharf Co., . 

110 " Boston and Albany Railroad, 
25 " Boott Cotton Mills, . . 

United States bonds, .... 

Fremont, Elkhorn and Mo. Val. R.R. bonds 

N. Y. Cent 1 ! and Hudson River R. R. bonds 



Par value. 

$145,000 00 

110,000 00 

10,000 00 

61,500 00 

20,000 00 

20,000 00 

5,000 00 

20,000 00 

40,000 00 

10,000 00 

5,000 00 

10,000 00 

10,000 00 

, 6,000 00 

10,000 00 

5,000 00 



Market value. 

$170,887 50 

133,600 00 

12,700 00 

68,265 00 

24,875 00 

22,850 00 

6,150 00 

23,300 00 

41,800 00 

8,125 00 

5,100 00 

8,800 oa 

10,600 00 
7,065 00 

11,000 00 
5,000 00 



$948,650 00 $1,125,310 37 



Market value. 

$40,000 00 

25,000 00 

19,360 00 

46,250 00 

1,237 50 

8,160 00 

5,737 50 



Loaned thereon. 

$25,000 00 

10,000 oo 

16,600 00 

40,000 00 

800 00 

5,000 00 

5,000 00 



$145,745 00 $102,400 00 

Summary of Assets, Dec. 31, 1883. 
Loans on mort'ge of real estate (first liens*), $84,000 00 
Interest due or accrued thereon, . . . 960 00 

Stocks, bonds, etc., as per schedule, . . 1,125,310 37 
Loans on collateral security, as per schedule, 102,400 00 
Cash in the office of the company, . .» 42,917 89 
Cash deposited in bank, .... 100,572 16 
Interest due and accrued, .... 4,784 00 

Premiums in course of collection (gross), . 98,712 13 

Notes taken for marine and inland risks, . 35,893 79 

Gross assets, $1,595,550 34 

Deduct special deposit in Virginia, ..... 22,800 00 

Balance, . . . . . . . .$1,572,750,34 



* Value of lands mortgaged $78,000 00 

Value of buildings thereon, .... 105,000 00 
Amount of insurance held as collateral, . 108,495 00 



1883.] AND FIRE-MARINE INSURANCE COS. 133 



Liabilities. 

Losses claimed and reported, 

Unearned premiums on outstanding risks, 

Commissions and brokerage, 

Gross liabilities, except capital, . 
Deduct liability on special deposit, 



$113,442 00 
260,269 30* 
21,571 32 

$395,282 62 
22,800 00 



372,482 62 



Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 



. $1,200,267 72 
. 1,000,000 00 

. $200,267 72 



Income. 

€ash received for fire premiums, . . $363,150 58 
Deduct reinsurance and return premiums, . 32,347 25 

Net cash received for fire premiums, . 
Cash rec'd for marine and inland premiums, 
Deduct reinsurance and return premiums, . 

Net cash rec'd for marine and inPd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Received for increase of capital', $500,000 

Gross cash income, 



$198,677 86 
24,046 42 



$330,803 33 



174,631 44 

4,590 00 

45,306 98 



)55,331 75 



$207,335 96 

27,882 72 



Expenditures. 

Cash paid for fire losses, .... $141,86922 

Deduct salvage and reinsurance, . . 1,341 77 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, m 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for rent and incidentals, 

Gross cash expenditures, .... 



|140,527 45 



179,453 24 
20,000 00 
86,519 58 
18,552 22 
11,996 63 
25,242 64 

$482,291 76 



* Of the marine premiums, $24,760.64 is taken at 60 per cent, and $19,293.79 at 100 per cent. 



134 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



.$18,490,167 00 
. 42,226,875 00 



$60,717,042 00 
23,268,744 00 



.137,448,298 00 
375,539 00 



Premiums. 

$215,072 81 

420,404 95 

$635,477 76- 
218,319 21 

$417,158 55 
5,806 80 



$37,072,759 00 $411,351 75 



$5,015,934 00 
14,388,556 00 



. $19,404,490 00 
, 16,457,071 00 

. $2,947,419 00 
218,557 00 



5,616 66 

221,710 53 

$270,327 19 

206,962 27 



,364 92 
2,803 39 



$2,728,862 00 $60,561 53. 



Miscellaneous. 

Premiums received from organization of company, . . $3,780,124 58 

Losses paid from organization of company, . . . 1,940,329 49 

Cash dividends declared from organization of company, . 340,000 00 

Dividends declared during the year, 20,000 00 

Fire losses incurred during the year, ... . . . 196,917 65 

Marine and inland losses incurred during the year, . . 194,453 92 

Company's stock owned by directors, .... 204,800 00 



WELLFLEET MARINE INSURANCE COMPANY, WELLFLEET. 

[Organized Feb. 1, 1864. Commenced business Feb. 1, 1864.] 

Paid-up Capital, $12,000. 

James Swett, President. Thomas Kemp, Secretary 

Detailed Statement of Stocks, 

42 shares Freeman's Nat'l Bank, Boston, . 

80 " Faneuil Hall Nat'l Bank, Boston , 

3 " Republic Nat'l Bank, Boston, . 

15 " Blackstone Nat'l Bank, Boston, . 

30 " Hide and Leather N'lB'k,Boston, 

11 " State Nat'l Bank, Boston, . 

30 " Manufacturers' Nat'l B'k, Boston, 

7 " First Ward Nat'l Bank, Boston, 

10 " Maverick Nat'l Bank, Boston, . 



Bonds, etc. 




Par value. 


Market value. 


$4,200 00 


$4,987 50 


8,000 00 


10,420 00 


300 00 


387 00 


1,500 00 


1,507 50 


3,000 00 


3,360 00 


1,100 00 


1,419 00 


3,000 00 


2,850 00 


700 00 


805 00 


1,000 00 


2,220 0O 



1883.] AND FIRE-MARINE INSURANCE COS. 135 



23 shares First Nat'l Bank of Portland, . 

107 " Union Market N'lB'k,Watertown, 
20 " Home Nat'l Bank, Brockton, 
25 " First Nat'l Bank, Ayer, 
68 " Boston Marine Insurance Co., 
10 " Ocean Insurance Co., Portland, 
30 " Eastern Railroad, 
10 " Boston and Maine Railroad, 
75 " National Car Co., 

National Car Co. bonds, 

Toledo, Delphos and Burl. Railroad bonds, 

Mexican Central Railroad bonds, 

United States bonds, .... 



Par value. 

$2,300 00 
10,700 00 
2,000 00 
2,500 00 
6,800 00 
1,000 00 
3,000 00 
1,000 00 
7,500 00 
2,000 00 
5,000 00 
2,000 00 
1,500 00 



Market value. 

$3,680 00 
10,700 00 
2,240 00 
2,500 00 
8,704 00 
1,080 00 
1,200 00 
1,620 00 
7,125 00 
2,000 00 
1,500 00 
1,200 00 
1,710 00 



$70,100 00 $73,215 00 



Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

10 shares Union Market Nat'l Bank, . . $1,000 00 $1,000 00 

Personal loans, 15,429 95 

23 shares Wellfleet Marine Ins. Co., $2,625 



Summary of Assets, Dec. 31, 1883. 



Stocks, bonds, etc., as per schedule, 

Loans on collateral security, as per schedule, 

Cash in the office of the company, 

deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, 



$73,215 00 
16,429 95 
2,354 68 
36,670 50 
320 00 
15,964 00 
56,410 12 



$16,429 95 



$201,364 25 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc , 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 



$65 66 

13,850 00 

*55,575 12 

10 00 

700 00 



70,200 78 

$131,163 47 
12,000 00 

$119,163 47 



* Taken at 100 per cent. 



136 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31 



Income. 

Cash rec'd for marine and inland premiums, 
Deduct reinsurance and return premiums, . 

Net cash rec'd for marine and inland prem's, 

Interest and dividends received from all sources, 



,611 85 
905 86 



Gross cash income, 



$77,705 99 
7,256 74 

$84,96.2 73 



Expenditures. 

Cash paid for marine and inland losses, . $66,881 55 
Deduct salvage and reinsurance, . . 6,740 69 * 

Net cash paid for marine and inland losses, — ; 

Cash dividends paid, 

Cash paid for commissions and brokerage, ... 
for salaries of officers and employees, 
for State and local taxes, 

Gross cash expenditures, . . 



$60,140 86 

12,000 00 

5,457 01 

5,041 55 

700 00 

$83,339 42 



Marine risks outstanding Dec. 31, 1882, 
written during 1883, 



Risks and Premiums. 

Premiums. 

$779,485 00 $54,594 00 
2,002,657 00 87,154 76 



Total 

Deduct risks expired and terminated, . 

In force at end of year, 

Deduct amount reinsured, . , 

Net amount in force, 



$2,782,142 00 $141,748 76 
1,963,981 00 85,338 64 



,161 00 $56,410 12 
15,000 00 835 00 



$803,161 00 $55,575 12 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, . . 
Cash dividends declared from organization of company, 
Dividends declared during the year, .... 
Marine and inland losses incurred during the year, . 



,347 99 

609,202 83 

106,200 00 

12,000 00 

60,097 00 



1883.] AND FIRE-MARINE INSURANCE COS. 137 



AGGREGATE. 



Capital Stock. 
Whole amount of capital actually paid up in cash, 



Assets. 



Gross present assets, 



Liabilities. 
Gross present liabilities, 

Income. 
Cash actually received for fire premiums, 

actually received for marine premiums, 
for interest and dividends from all sources, 
from all other sources^ 

Gross cash income, . . . _ . 

Expenditures. 
Cash actually paid during the year for fire losses, 

actually paid during the year for marine losses, 
for dividends to stockholders, 
for brokerage and commission on premiums, 
for salaries and pay of officers and employees, 
for State and local taxes, .... 
for office, agency, and incidental expenses, . 

Gross cash expenditures, 

Miscellaneous. 

Whole amount of fire risks written during the year, 
premiums charged or receivable thereon, 
marine risks written during the year, 
premiums charged or receivable thereon, 
fire risks terminated during the year, 
marine risks terminated during the year, 
fire risks outstanding at end of year, . 
marine risks outstanding at end of year, 
cash dividends declared during the year, 
fire losses incurred during the year, . 
marine losses incurred during the year, 



$7,369,200 00 

$14,556,618 00 

$4,645,481 00 



$4,223,784 00 

2,317,357 00 

577,036 00 

17,916 00 



$7,136,093 00 



$2,593,112 0u 
2,021,839 00 
508,766 00 
924,467 00 
364,340 00 
164,700 00 
457,102 00 

$7,034,326 00 



$468,551 

5,104 

186,035 

2,761 

383,952 

190,962 

482,085 

27,702 

508 

2,728 

2,232 



,307 00 
,938 00 
,040 00 
,354 00 
,233 00 
,045 00 
,138 00 
,155 00 
,432 00 
,280 00 
,508 00 



FIEE, MAKINE, AND FIKE-MARINE 
INSURANCE COMPANIES 

OF OTHER STATES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year Ending 

December 31, 1883. 



140 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



jETNA INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated June, 1819. Commenced business Aug. 17, 1819.] 

Paid-up Capital, $4,000,000. 

X.UCIUS J. Hendee, President. Jotham Goodnow, Secretary* 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Alabama State bonds, . 
Connecticut State bonds, 
New Hampshire State bonds, 6's, . 
Rhode Island State bonds, 6's, 
S'th Carolina State bonds (consolidated) , 6's 
Tennessee State bonds, 6's, . 
Hartford County, Conn., bonds, 4's, 
Hudson County, N. J., bonds, 6's, 
Barkhamsted, Conn., town bonds, 6's, 
Hartford, Conn., town bonds, 6's, 
Norwich, Conn., town bonds, 7's, 
Norfolk, Conn., town bonds, 6's, . 
Pawtucket, R. L, town bonds, 7's, 
Windsor Locks, Conn., town bonds, 6^, 
Middletown, Conn., town bonds, 6's, 
Bloomington, 111., city bonds, 8's, 
Boston, Mass., city bonds, 6's, 
Brooklyn, N. Y., city bonds, 6's, . 
Buffalo, N. Y., city bonds, 7's, 
Cleveland, Ohio, city bonds, 7 1 s, . 
Cincinnati, Ohio, city water bonds, 7's 
Chicago, 111., city bonds, 7's, 
Detroit, Mich., city bonds, 7's, . ■ 
Hartford, Conn., city bonds, 6's, . 
Indianapolis, Ind., city bonds, 7 T 3 o's, 
Jersey City, N. J., city bonds, 6's, 



Par value. 

$277,000 00 
10,000 00 

142,500 00 
48,000 00 
43,000 00 
15,000 00 
31,000 00 

110,000 00 
25,000 00 
11,000 00 
26,000 00 

100,000 00 
26,000 00 

100,000 00 
24,000 00 
60,000 00 
20,000 00 
50,000 00 
11,000 00 
50,000 00 
45,000 00 
50,000 00 
53,000 00 
50,000 00 

112,000 00 
50,000 00 
15,000 00 



Market value. 

$349,750 00 
8,300 00 

143,700 00 
60,000 00 
51,600 00 
15,750 00 
12,400 00 

110,000 00 
26,500 00 
11,550 00 
27,300 00 

130,000 00 
27,300 00 

120,000 00 
25,680 00 
66,000 00 
22,400 00 
62,500 00 
13,200 00 
62,500 00 
51,750 00 
59,000 00 
62,540 00 
57,500 00 

122,080 00 
60,000 00 
15,000 00 



1883.] INS. COS. OF OTHER STATES. 



141 



Lockport, N. Y., city bonds, 7's, . 
Montreal, Canada, corporation stock, 6's, 
Montreal, Canada, corporation bonds, 6's, 
Newark, N. J., city bonds, 7's, . 
New Brunswick, N. J., city bonds, 7's, 
New York city stock, 6's, 
Rahway, N. J., city bonds, 7's, . 
Providence, R. I., city bonds, 6's, 
East Saginaw, Mich., city bonds, 6's, . 
Titusville, Pa., city, sch'l and water b'ds, 8' 
Titusville, Pa., city bonds, 5's, 
Cony, Pa., city bonds, 6's, . 
Toledo, Ohio, city special bonds, 7 T 3 ¥ 's, 
Toledo, Ohio, city water bonds, 8's, . 
Rochester, N. Y., city bonds, 7's, . 
Oswego, N. Y., city bonds, 7's, . 
Ottumwa, Iowa, bonds, 5's, . 
North East Sch'l Dist (Hartford) bonds, 4's 
School Dist. No 2, Enfield, Conn., bonds,4i's 
Sch'l Dist. No. 24,Woodbridge,N.J., b'ds, 6's 
Montezuma, Iowa, school bonds, 6's, . 
State Center, Iowa, school bonds, 5's, . 
Blakesburgh, Iowa, school bonds, 6's, 
Chelsea, Iowa, school bonds, 5^'s, 
Ottumwa, Iowa, school bonds, 5's, 
Atlantic Dock Company bonds, 5's, 
Albany and Susq.R.R. mortgage bonds, 7's 
Buffalo and Erie Railroad bonds, 7's, . 
Clev., Columbus, Cin. and Ind. R.R. b'ds, 7's 
Clev., Painsville and Ashtab. R. R. bonds, 7's 
Cleveland and Tol. R.R., Gen'l S. F. b'ds, 7's 
Chic, Burl, and Q. R.R., consol. bonds, 7's 
Chicago and Northwestern R. R. bonds, 
Chicago, R. I. and Pacific R. R. bonds, 6's 
Chicago and West Indiana R. R. bonds, 6's 
Chic, Mil. and St. P. R.R. first mort. b'ds, 7's 
Cincinnati, Ham. and Dayton R.R. b'ds, 7's 
Columbus and Xenia R. R bonds, 7's, 
Dayton and Western R. R. bonds, 6's, 
Delaware and Hudson Canal Co. bonds, 7's 
Harlem R. and P. Chest. R.R. first mort. b'ds 
Housatonic R. R. first mortgage bonds, 6's 
Indianapolis and Cin. R. R mort. bonds, 7's 
Iowa Midland R. R. first mort. bonds, 8's, 
Jackson, Lan. and Sag. R.R. mort. bonds, 6's 
Keok. and Des M'nes R.R. first mort. b'ds, 5's 
Lake Shore R. R. mortgage bonds, 7s, 
Lake Sh. and Mich. So. R.R. consol. b'ds, 7's 



Par value. 

$25,000 00 
13,000 00 
10,000 00 
50,000 00 
20,000 00 
21,000 00 
45,000 00 
50,000 00 
12,000 00 
7,000 00 
20,000 00 
10,000 00 
13,000 00 
5,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
10,000 00 
18,000 00 
10,000 00 
15,000 00 
3,000 00 
2,000 00 
15,000 00 
31,000 00 
70,000 00 
35,000 00 
85,000 00 
32,000 00 
96,000 00 

125,000 00 

125,000 00 
60,000 00 
50,000 00 
70,000 00 
20,000 00 
50,000 00 
28,000 00 
55,000 00 

150,000 00 
81,000 00 
25,000 00 
25,000 00 
25,000 00 
40,000 00 

30,000 00 
65,000 00 



Market value. 

$30,000 00 
13,650 00 
10,300 00 
60,000 00 
22,400 00 
23,100 00 
11,250 00 
59,000 00 
12,600 00 
7,210 00- 
20,000 00 
10,500 00 
14,560 00 
5,600 Oo 
29,500 00 
27,500 00 
25,034 72 
25,000 00 
10,000 00 
18,900 00 
10,500 00 
15,225 00 
3,127 50 
2,050 00 
15,150 00 
31,930 00 
76,000 00 
43,400 00 
101,050 00 
36,160 00 
101,760 00 
141,500 00 
144,000 00 
77,400 00 
55,000 00 
85,400 00 
20,800 00 
56,000 00 
28,000 00 
66,700 00 
187,500 00 
86,000 00 
27,500 00 
32,000 00 
26,750 00 
41,600 00 
36,600 00 
78,600 00 



142 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Par value. Market value. 

Mich. Central R. R. second mort. bonds, 7's, f 50,000 00 $62,000 00 
Minn, and St. Louis (Iowa Ext.) R. R. first 

mortgage bonds, 7's, .... 25,000 00 30,000 00 
Michigan Southern and N. Ind. R. R. first 

general mortgage bonds, 7's, . . 25,000 00 26,000 00 

Morris and Essex R. R. first mort. bonds, 7's, 100,000 00 124,500 00 

New York Central R. R. bonds, 6's, . . 75,000 00 77,630 00 
New York Central and Hudson River R. R. 

first mortgage bonds, 7's, . . . 175,000 00 232,750 00 
New York and Harlem R. R. first mortgage 

bonds, 7% 10,000 00 12,700 00 

New York, Lake Erie and Western R. R. 

first mortgage bonds, gold, 7's, . . 45,000 00 58,500 00 
Pittsburgh, Ft. Wayne and Chicago R. R. 

first mortgage bonds, 7's, . . . 241,000 00 310,080 00 
St. Johnsbury and Lake Champlain R. R. 

first mortgage bonds, 6's, . . . 55,000 00 60,500 00 

Vermont Valley R. R. bonds, 5's, . . 50,000 00 52,500 00 

Kansas Pac. R. R. first, con. mort. bonds, 6's, 25,000 00 24,500 00 

Minneapolis Union R. R. gold mort. b'ds, 6's, 50,000 00 53 ; 500 00 

St. Paul, Minn, and Manitoba R. R. first, 7's, 23,000 00 25,530 00 

St. Paul and Sioux City R. R. first gold, 6's, 20,000 00 22,400 00 

Atlantic Mutual Ins. Co. scrip, . . . 37,340 00 37,340 00 

50 shares Connecticut River Co., . . 5,000 00 1,000 00 

500 " Albany and Susq. R. R. Co., . 50,000 00 65,000 00i 

150 " Central Ohio R. R. Co., . . 7,500 00 6,900 00 

1000 " Clev. and Pittsburgh R. R. Co., 50,000 00 69,000 00 

200 " Chic, Burl, and QuincyR.R. Co. 20,000 00 24,000 00 

200 " Chicago, R. I. and Pac. R R. Co., 20,000 00 23,600 00 ; 

200 " Connecticut River R. R. Co., . 20,000 00 32,800 00 

250 " Dubuque and Sioux City R. R. 

Co., 25,000 00 18,750 00: 

200 " Ft. Wayne and Jackson R. R. 

Co., preferred, . . . 20,000 00 17,400 00 

100 - " Joliet and Chicago R. R. Co., . 10,000 00 14,000 00 
200 " Keokuk and Des Moines R. R. 

Co.; preferred, . . . 20,000 00 5,000 00 

1000 '« Morris and Essex R. R. Co., . 50,000 00 61,500 00 
800 " New York Central and Hudson 

River R. R. Co., . . . 80,000 00 90,400 00 
1000 " New York, New Haven and 

Hartford R. R. Co., . . 100,000 00 175,000 00 
750 " Pittsburgh, Fort Wayne and 

Chicago R. R. Co., . . 75,000 00 100,500 00 

500 " New York and Harlem R.R. Co. 25,000 00 47,500 00 

100 " Ashuelot R. R. Co., . . . 10,000 00 11,500 00 

200 « Valley (New York) R. R, Co., 20,000 00 18,600 00 



1883.] INS. COS. OF OTHER STATES. 143 

Par value. Market value. 

100 shares New Britain Nat'l Bank, New- 
Britain, Conn., . . . $10,000 00 $15,000 00 
100 " First Nat'l Bank, Albany, N Y., 10,000 00 16,000 00 

250 " Farmers' and Mechanics' Nat'l 

Bank, Philadelphia, Pa., . 25,000 00 33,750 00 

50 " Merchants' Bank, St. Louis, Mo. 5,000 00 500 00 

50 " Merchants' National Bank, St. 

Louis, Mo., .... 5,000 00 5,150 00 

200 " Mechanics' National Bank, St. 

Louis, Mo 20,000 00 20,600 00 

200 " .Etna Nat'l Bank, Hartford, Ct. 20,000 00 25,600 00 

200 " American Nat'l Bank, Hartford, 

Conn., 10,000 00 15,000 00 

400 " Charter Oak Nat'l Bank, Hart- 
ford, Conn., .... 40,000 00 58,000 00 
200 " City Nat'l Bank, Hartford, Ct., 20,000 00 18,000 00 
150 " Connecticut River Banking Co , 

Hartford, Conn 7,500 00 7,500 00 

550 " Nat'l Exchange Bank, Hartford, 

Conn., ... . . . 27,500 00 41,250 00 

500 " Farmers 1 and Mechanics' Nat'l 

Bank, Hartford, Conn., . . 50,000 00 62,500 00 

200 " First Nat'l Bank, Hartford, Ct., 20,000 00 23,200 00 

1000 " Hartford Nat'l Bank, Hartford, 

Conn., 100,000 00 180,000 00 

970 " Phoenix Nat'l Bank, Hartford, 

Conn., 97,000 00 165,870 00 

550 " State Bank, Hartford, Conn., . 55,000 00 59,950 00 

400 " American Exchange National 

Bank, New York, . . ." 40,000 00 52,000 00 

300 " Nat'l Butchers' and Drovers' 

Bank, New York, . . . 7,500 00 11,250 00 

100 " Nat'l City Bank, New York, . 10,000 00 27,000 00 

500 " Nat'l Bank of Commerce, N. Y. 50,000 00 77,000 00 

100 " Hanover Nat'l Bank, N. Y., . 10,000 00 15,200 00 

300 " Importers' and Traders' Nat'l 

Bank, New York, . . . 30,000 00 81,000 00 

400 " Bank of the Manhattan Com- 
pany, New York, . . . 20,000 00 31,000 00 
100 " Market Nat'l Bank, New York, 10,000 00 14,000 00 
700 " Merchants' Nat'l Bank, N. Y., . 35,000 00 45,500 00 
200 " Merchants' Exchange National 

Bank, New York, . . . 10,000 00 9,500 00 

1200 " Mechanics' Nat'l Bank, N. Y., . 30,000 00 45,000 00 

400 " Metropolitan Nat'l Bank, N. Y., 40,000 00 62,000 00 

200 " Nassau Bank, New York, . 10,000 00 13,500 00 

300 " Bank of New York Nat'l Bank- 
ing Association, New York, . 30,000 00 51,000 00 



144 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



200 shar 


300 


ct 


200 


(• 


150 


cc 


50 


u 


400 


It 


100 


11 



150 

100 
100 
100 
100 



es Bank of North America, N. Y., 
Phenix Nat'l Bank, New York, 
People's Bank, New York, 
Nat'l Bank of the Republic, 

New York, ... 
Third Nat'l Bank, New York, . 
Union Nat'l Bank. New York, . 
American Loan and Trust Co., 

New York, . . . 
New York Life Ins. and Trust 

Co., New York, 
United States Ti -ust Co., N. Y., 
Union Trust Co , New York, . 
Central Trust Co., New York, . 
Metropolitan Trust Co., N. Y., 



Market value. 
$14,000 00 
6,000 00 
5,000 00 

15,000 00 

5,000 00 

20,000 00 



15,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 



Par value. 

$14,840 oa 
6,300 00 
7,500 00 

17,700 00 

6,250 00 

35,000 00 



10,000 00 11,000 00' 



70,500 00 

49,000 00 

35,000 00 

26,000 00 

13,000 00 



>,999,840 00 $7,405,897 22 



Securities held as collateral for cash loans : — 



5 shares Mercantile Nat 1 ] Bank, Hartford 

10 " American Nat'l Bank, Hartford 

10 " Nat'l Exchange Bank, Hartford 

10 " Travelers' Ins. Co., Hartford, 
224 " Broad Brook Co., Hartford, 

46 " New York, N. H. and Hart. R.R. 

8 " Willimantic Linen Co., 

22 u Holyoke Water Power Co., 

20 " Rockville Nat'l Bank, Conn., 

7 " Second Nat'l Bank, Springfield 

25 " Nat'l Bank of Commerce, N. Y. 

25 " Mechanics' Nat'l Bank, N. Y., 

3 " Chicago, Burl, and Quincy R. R. 

18 " Union Pacific R. R., . 

11 " Atchison, Top. and S. Fe R. R., 



Market value. .Loaned thereon. 


$625 00 


$500 00 


750 00 


360 00 


750 00 


500 00 


2,900 00 


1,080 00 


14,000 00 


5,000 00 


8,050 00 


1,820 oa 


424 00 


400 00 


4,950 00 


2,970 00 


2,700 00 


900 00 


1,225 00 


540 00 


3,850 00 ^ 
937 50/ 


3,600 00 


360 00 a 




1,350 00 I 


2,430 00 


880 00 J 





$43,751 50 $20,100 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $364,500 00 

Loans on mortg'e of real estate (first liens*), 44,800 00 

Interest due or accrued thereon, . . 368 45 

Stocks, bonds, etc., as per schedule, . . 7,405,897 22 

Loans on collateral security, as per schedule, 20,100 00 



* Value of lands morgaged, $57,000 00 

Value of buildings thereon 58,000 00 

Amount of insurance held as collateral, . . 34,000 00 



1883.] INS. COS. OF OTHER STATES. 145 



Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposit in Canada, 



$9,844 89 

1,021,272 45 

863 53 

324,997 26 



Balance, 



U 92,643 80 
114,700 00 

),077,943 80 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, 

Less reinsurance 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Reclaimable on perpetual fire policies, 

Due and accrued for incidentals, 

Commissions and brokerage, 

Return premiums, .... 

Gross liabilities, except capital, . 
Deduct liabilities on special deposits, . 



Surplus as regards policy-holders, 
Paid-up capital, 



$27,749 74 

141,724 36 

12,933 33 

$182,407 43 
5,821 00 

$176,586 43 

1,678,396 02 

13,541 30 

500 00 

43,329 76 

10,832 44 

$1,923,185 95 
49,948 95 



- 1,873,237 00 

. $7,204,706 80 
. 4,000,000 00 



Surplus over capital, 



. $3,204,706 80 



Income. 

Cash received for fire premiums, . . $2,516,947 14 
Deduct reinsurance and return premiums, . 213,967 84 

Net cash received for fire premiums, . . $2,302,979 30 

Cash received for inland premiums, . . $147,597 71 
Deduct reinsurance and return premiums, . 23,724 20 

Net cash received for inland premiums, . 123,873 51 

Interest received on bonds and mortgages, . . . 2,484 38 

Interest and dividends received from all other sources, . 421,802 05 

Income from rents, . . 8,397 22 

Deposits received for perpetual fire risks, . $2,502 30 



Gross cash income, 



. $2,859,536 46 



146 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, 

Cash paid for inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, .' 
for incidentals, . 

Deposits returned on perpetual fire risks, . 

Gross cash expenditures 



$32 00 



:,218,363 55 

76,314 31 

720,000 00 

394,934 07 

148,269 88 

46,553 71 

122,939 02 



5,727,374 54 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . . ; 
Perpetual risks (included above), 



$278,498,990 00 

.235,468,652 00 

$513,967,642 00 

. 223,278,043 00 

$290,689,599 00 

. 3,302,657 00 

$287,386,942 00 

590,200 00 



Premiums. 

$3,008,564 91 
2,540,423 66 

$5,548,988 57 
2,282,165 00 

$3,266,823 57 
40,565 45 

$3,226,258 12 
14,254 00 



Inland risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$654,932 00 
52,681,162 00 



$53,336,094 00 
52,461,794 00 

$874,300 00 
6,000 00 



$18,875 60 
119,076 95 



U37,952 55 
118,373 63 

$19,578 92 
210 00 



$868,300 00 $19,368 92 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (18 per cent.), . 

Fire losses incurred during the year, 

Inland losses incurred during the year, 
Company's stock owned by directors, 



$92,556,208 98 
. 55,953,671 97 
. 13,553,365 00 

720,000 00 

. 1,197,484 70 

49,807 70 

263,400 00 



1883.] INS. COS. OF OTHER STATES. 



147 



ALBANY INSURANCE COMPANY, ALBANY, NEW YORK. 

[Incorporated March 8, 1811. Commenced business March 16, 1811. Reorganized 

June 1, 1881.] 

Paid-up Capital, $200,000. 
J. Howard King* President. John E. McElroy, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Watervliet Tnrnpike and Railroad bonds, , 
Louisville, New Albany and Chicago Rail- 
road bonds, 

Northern Pacific Railroad bonds, 



Par value. Market value. 

$250,000 00 $259,500 00 

15,000 00 15,750 00 



5,000 00 
20,000 00 



4,850 00 
20,250 00 



$290,000 00 $300,350 00 



Summary of Assets, Dec. 31, 1883. 



Loans on mortg'e of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Gross assets, 



$61,500 00 

693 32 

300,350 00 

3,403 74 

7,308 36 

204 16 

122 06 



$373,581 64 



Liabilities. 

Losses claimed and reported, 

Unearned premiums on outstanding risks, . 

State and local taxes 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$6,413 81 

42,572 07 

904 67 



Surplus over capital, 



49,890 55 

$323,691 09 
200,000 00 

$123,691 09 



» Value of lands mortgaged, .... $55,000 00 

"Value of buildings thereon 70,000 00 

Amount of insurance held as collateral, . . 51,375 00 



148 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums, . . $75,891 81 
Deduct reinsurance and return premiums, . 3,163 14 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, . . . . 



Gross cash income, 



$72,728 67 

2,517 25 

10,613 88 

627 12 



,486 92 



Expenditures. 



Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 

Gross cash expenditures, .... 



$31,169 47 
20,000 00 

9,761 81 
10,405 63 

2,911 56 

$74,248 47 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
Fire risks written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$8,837,489 00 
10,089,609 00 



$18,927,098 00 
8,044,360 00 



$10,882,738 00 
177,478 00 



Premiums. 

$70,395 30 
75,891 81 

,287 11 
59,839 67 



,447 44 
1,339 90 



$10,705,260 00 $85,107 54 



Miscellaneous. 

Premiums received from reorganization of company, . $171,723 10 

Losses paid from reorganization of company, . . . 72,644 37 

Cash dividends declared from reorganization of company, 40,000 00 

Dividends declared during the year (10 per cent.), . . 20,000 00 

Fire losses incurred during the year, 33,612 68 

Company's stock owned by directors, .... 52,960 00 



1883.] 



INS. COS. OF OTHER STATES. 



149 



AMERICAN INSURANCE COMPANY, NEWARK, N.J. 

[Incorporated Feb. 20, 1846. Commenced business April 1, 1846.] 

Paid-up Capital, $ 600,000. 

F. H. Harris, President. James H. Worden, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 
United Stated bonds, .... 



Par value. Market value. 

$475,000 00 $587,812 50 



Summary of Assets, Dec. 31, 1883. 



Cash value of unencumbered real estate, . 

Loans on mortgage of real estate (first liens*), 

Interest due or accrued thereon, . 

Bonds, as per schedule, 

Cash in the office of the company, 

Cash deposited in bank, 

Interest due and accrued, . 

Premiums in course of collection (gross), 

Rents due and accrued, . . 

Companies own stock, . . $70,000 00 

Expenses on mort'gein process of 

foreclosure, . . . 214 29 

Premiums more than 3 mos. due, 1,360 05 
Gross assets, . 

Liabilities. 
Losses adjusted, unpaid, 

claimed and reported, 

Total amount of losses, 

Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Commissions and brokerage, 
Dividends to policy-holders unpaid, . 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, 



$398,865 57 

609,096 75 

13,300 77 

587,812 50 

8,142 03 

22,686 67 

4,500 00 

14,988 73 

4,447 06 



$11,885 03 
21,807 97 

$33,693 00 
1,800 00 

$31,893 00 

178,450 88 

6,437 45 

2,625 03 

11,028 00 



$1,663,840 08 



230,434 36 

1,433,405 72 
600,000 00 

$833,405 72 



* Total value of property mortgaged, . . $1,665,600 00 
Amount of insurance held as collateral, . 740,225 00 



150 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums, . . $305,275 40 

Deduct reinsurance and return premiums, . 21,766 33 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

•Income from rents, 



Gross cash income, 



$283,509 07 
38,975 98 
20,000 00 
12,254 51 

$354,739 56 



Expenditures. 

Cash paid for fire losses, .... $138,46120 
Deduct salvage and reinsurance, . . 6,972 01 

Net cash paid for fire losses, 
Cash dividends paid stockholders, 

dividends paid policy-holders, . 
paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, . 



$131,489 19 
59,544 30 
10,469 00 
43,597 59 
32,988 38 
9,996 61 
24,904 22 

$312,989 29 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

.$32,720,565 00 § 280,157 83 
. 37,837,939 00 303,845 18 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



),558,504 00 $584,003 01 
. 31,732,978 00 228,195 71 



,825,526 00 $355,807 30 
1,578,851 00 17,408 93 



. $37,246,675 00 $338,398 3i 



Miscellaneous. 

Premiums received from organization of company, .' 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent ), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$3,902,654 57 

1,122,362 67 

1,244,333 26 

60,000 00 

139,805 31 

28,515 00 



1883.] 



INS. COS. OF OTHER STATES. 



151 



AMERICAN CENTRAL INSURANCE COMPANY, 
ST. LOUIS, MO. 

[Incorporated Feb., 1853. Commenced business Feb., 1853.] 

Paid-up Capital, $600,000. 

George T. Cram, President. Charles Christensen, Secretary. 



Detailed Statement of 



United States bonds, . 
Missouri State bonds, . 
St. Louis Central R.R. bonds, 
Missouri Pacific R.R. bonds, 
North Missouri R.R. bonds, 
St. Louis County Park bonds, 
Laclede Gaslight Co. bonds, 
Laclede Gaslight Co. stock, 
St. Louis Gaslight Co. stock, 
Commercial Bank stock, 
Third National Bank stock, . 
Mechanics 1 Bank stock, 
St. Louis National Bank stock, 
Bank of Commerce stock, . 



Stocks, Bonds, etc 

Par value. 

§100,000 00 
309,000 00 
75,000 00 
76,000 00 
25,000 00 
15,000 00 

5,000 00 
26,700 00 

1,900 00 
10,000 00 
13,000 00 
11,100 00 

5,000 00 
12,500 00 



Market value. 

$135,000 00 
355,350 00 
75,000 00 
82,700 00 
30,500 00 
18,000 00 

5,050 00 
26,967 00 
12,730 00 
32,500 00 
13,000 00 
13,320 00 

6,250 00 
57,500 00 



$685,200 00 $863,867 00 
Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

St. Louis Cotton Compress Co., . . . $350,000 00 $175,000 00 
Summary of Assets, Dec. 31, 1883. 



Stocks and bonds, as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Gross assets, 



$863,867 00 

175,000 00 

5,315 77 

61,090 47 

5,280 00 

78,968 12 



$1,189,521 36 



Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, . 



$25,571 64 

27,170 00 

6,663 98 

$59,405 62 
12,365 42 



Net amount of unpaid losses, 



$47,040 20 



152 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, 



$308,497 48 

56 25 

11,845 22 



1367,439 15 

$822,082 21 

600,000 00 

$222,082 21 



Income. 

Cash received for fire premiums, . . . $574,027 98 
Deduct reinsurance and return premiums, . 120,070 15 

Net cash received for fire premiums, . . $453,957 83 

Interest and dividends received from all sources, . . 61,442 60 
Income from all other sources, 1,000 00 

Gross cash income, $516,400 43 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and insurance, . . . 

Net cash paid for fire losses, - 

Cash dividends paid 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
incidentals, 



$345,263 56 
57,564 38 



Gross cash expenditures, 



$287,699 18 
72,343 25 
62,744 04 
39,993 55 
8,837 80 
48,505 50 

$520,123 32 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$39,044,329 00 
40,833,378 00 



$79,877,707 00 

36,162,906 00 

$43,714,801 00 

2,764,767 00 



Premiums. 

$564,283 64 

580,218 83 

1,144,502 47 

497,740 47 

$646,762 00 

50,374 38 



$40,950,034 00 $596,387 62 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



$7,645,239 94 

4,081,964 75 

504,972 70 

72,000 00 

291,695 28 

63,375 00 



1883.] 



INS. COS. OF OTHER STATES. 



153 



AMERICAN EXCHANGE FIRE INSURANCE COMPANY, 

NEW YORK. 

[Incorporated Feb. 28, 1859. Commenced business March 1, 1859.] 

Paid-up Capital, $200,000. 

William Raynor, President. Thomas Clark, Jr., Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $114,000 00 $132,250 00 

200 shares Chicago and Northwestern R. R , 20,000 00 23,500 00 

300 " N. Y. Central and H. River R R., 30,000 00 33,825 00 

200 " Western Union Tel. Company, . 20,000 00 14,900 00 

Western Union Telegraph Co. bonds, . 2,000 00 2,260 00 

100 shares American Exchange Bank, . 10,000 00 13,000 00 

25 " Fourth National Bank, . . 2,500 00 3,250 00 



$198,500 00 $222,985 00 



Securities held as collateral for cash loans : — 



20 shares Home Fire Insurance Co., 
Central Pacific Railroad bonds, . 
Union Pacific Railroad bonds, 
Central of N. J Railroad bonds . 
Lehigh and Wilkesbarre, 
20 shares Merchants' National Bank, 
2 " Ninth National Bank, . 
17 " St. Paul and Duluth Railroad, 



Market value. Loaned thereon. 
$2,840 00 $1,500 00 
1,150 00 ^ 



1,180 00 



1,150 00 
880 00 J 

1,300 00"\ 
240 00 I 

1,581 00 J 



)• 3,500 00 



2,200 CO 



$10,321 00 $7,200 00 



Summary of Assets Dec. 31, 1883. 

Cash value of unencumbered real estate, . $20,000 00 

Loansonmort'geof real estate (first liens*), 6,000 00 

Interest due or accrued thereon, . . . 120 00 

Stocks, bonds, etc., as per schedule, . . 222,985 00 

Loans on collateral security, as per schedule, 7,200 00 

Cash in the office of the company, . . 1,005 56 



* Value of lands mortgaged, . . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



£5,000 00 
8,000 00 
7,500 00 



154 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash deposited in bank, .... $13,171 23 

Interest due and accrued, .... 2,614 81 

Premiums in course of collection (gross), . 3,227 83 

Rents due and accrued, .... 109 50 
Premiums more than 3 mos. due, $1,046 39 

Gross assets, 



$276,433 93 



Liabilities. 

Losses adjusted, unpaid, 

Unearned premiums on outstanding risks, 

Dividends to stockholders unpaid, 

Commissions and brokerage, 

Rent and incidentals, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



$20 00 
20,344 47 
310 00 
484 17 
583 33 



Surplus over capital, 



21,741 97 

$254,691 96 
200,000 00 

$54,691 96 



Income. 

Cash received for fire premiums, . . $49,272 51 
Deduct reinsurance and return premiums, . 8,794 90 

Net cash received for fire premiums, . . $40,477 61 

Cash rec'd for marine and inland premiums, . . . 202 32 

Interest received on bonds and mortgages, . . . 360 00 

Interest and dividends received from all other sources, . 15,217 02 

Income from rents, .' 88 00 

Income from return taxes, 124 95 

Gross cash income, . $56,469 90 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for rent and incidentals, 



,162 15 
3,251 05 



$12,911 10 

20,090 00 

6,501 95 

12,600 00 

1,280 78 

7,938 63 



Gross cash expenditures, 



11,322 46 



1883.] INS. COS. OF OTHER STATES. 



155 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$8,981,631 00 
. 10,788,649 00 


Premiums. 

$35,354 85 
48,446 23 


. $19,770,280 00 
. 9,759,172 00 


$83,801 08 
39,247 46 


.$10,011,108 00 
698,881 00 


$44,553 62 
4,066 99 


$9,312,227 00 

$26,000 00 
44,300 00 


$10,486 63 

$502 50 
202 32 


$70,300 00 
26,000 00 


$704 82 
502 50 



,300 00 



$202 32 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



.,544,639 00 

579,695 00 

365,000 00 

20,000 00 

11,107 00 

52,500 00 



AMERICAN FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April 30, 1857. Commenced business May 1, 1857.] 

Paid-up ' Capital $400,000. 

James M. Halstead, President. David Adee, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $550,000 00 $634,375 00 

Delaware and Hudson Canal Co. bonds, . 50,000 00 58,000 00 

133 shares Delaware and Hudson Canal Co., 13,300 00 13,965 00 

Delaware and Hudson Canal Co. scrip stock, 2,200 00 2,200 00 

900 shares Harlem Gas Light Co., . . 45,000 00 51,750 00 

400 " Rensselaer and Saratoga R.R., . 40,000 00 56,800 00 

100 " National Bank of Commerce, . 10,000 00 15,600 00 

250 " American Exchange Nat'l Bank, 25,000 00 32,500 00 



156 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



ft 



40 shares Bank of the State of New York, 
400 " Merchants' National Bank, 

65 " Third National Bank, 
100 " Mercantile Trust Co., 



Par value. Market value. 

$4,000 00 $5,200 00 

20,000 00 26,300 00 

6,500 00 8,125 00 

10,000 00 15,000 00 



$776,000 00 $919,815 00 



Securities held as collateral for cash loans : — 



20 shares Equitable Life Assur. Society, 
5 " Equitable Life Assur. Society, 
55 " Mercantile Safe Deposit Co., 
55 " Delaware and Hudson Canal Co. 
100 " Albany and Susquehanna R.R., 
100 " Merchants' National Bank, 
100 " Bank of State of New York, 
Northern Pacific Railroad bonds, 
24 shares Produce Exchange Bank, . 



Summary of Assets, Dec. 
Loans on mort'ge of real estate (first liens*) , 
Interest due or accrued thereon, . 
Stocks, bonds, etc , as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), . 
Premiums more than 3 mos. due, $2,331 08 
Gross assets,f 



Liabilities. 
Losses adjusted, unpaid, 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 
Return premiums, . . . 

Gross liabilities, except capital and scrip, 

Surplus as regards policy-holders, 



Market value. Loaned thereon. 

$5,000 00 $4,000 00 

1,250 00 
11,000 00 

5,775 00 
13,000 00 

6,575 00 
13,000 00 

6,000 00 

2,880 00 



} 
} 



7,000 00 

3,000 00 
10,000 00 

15,000 00 

5,000 00 
2,000 00 



$64,480 00 $46,000 00 

31, 1883. 

$108,720 00 

1,633 86 

919,815 00 

46,000 00 

14.112 91 
66,494 10 

343 44 

13.113 55 

$1,170,232 86 



$12,428 87 
1,026 25 

133,055 20 
3,703 00 
5,650 69 
1,334 00 
2,115 23 
442 43 



159,755 67 



,010,477 19 



* Total value of property mortgaged, . . $236,500 00 
Amount of insurance held as collateral, . 116,100 00 
t Including $200,000 Special Reserve Fund, held under New York law. 



1883.] INS. COS. OF OTHER STATES. 



157 



Paid-up capital, $400,000 00 

Scrip outstand'g, not ordered to be red'in'd, 297,097 00 

Surplus over capital and scrip, 

Income. 

Cash received for fire premiums, . . $307,487 17 
Deduct reinsurance and return premiums, . 62,730 37 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from all other sources, 

Gross cash income, 

Expenditures. 

Cash paid for fire losses, . . . * . $126,659 21 

Deduct salvage and reinsurance, . . 45,096 94 

Net cash paid for fire losses, 

Cash dividends paid, ... 

Cash paid for redemption of scrip, 

Interest paid scrip-holders, . 

Cash paid for commissions and brokerage, . 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, . . . 

Risks and Premiums. 



$697,097 00 
$313,380 19 



$244,756 80 

5,723 20 

38,127 92 

1,365 40 

$289,973 32 



$81,562 27 
40,000 00 

6,610 00 
10,212 20 
38,861 81 
32,324 01 

6,476 00 
21,116 31 

$237,162 60 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



Premiums. 
. $52,447,043 00 $228,915 64 
. 69,887,096 00 301,390 99 



$122,334,139 00 $530,306 63 
. 66,492,759 00 249,007 14 



.$55,841,380 00 $281,299 49 
. 5,320,980 00 28,820 59 



. $50,520,400 00 $252,478 90 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$4,170,400 00 

1,308,801 00 

998,000 00 

40,000 00 

84,451 39 

112,500 00 



158 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



AMERICAN FIRE INSURANCE COMPANY, PHILADELPHIA, 

PENN. 

[Incorporated Feb. 28, 1810. Commenced business Marcb 12, 1810.] 

• Paid-up Capital, $400,000. 

Thomas H. Montgomery, Pres. Albert C. L. Crawford, Sec'y. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Northern Pacific R.R. bonds, 
Delaware Railroad bonds, . 
Susquehanna Canal Co. bonds, . 
North Pennsylvania R R. Co. bonds, 
Shamokin Val. and Potts'le R.R. Co. bonds 
Philadelphia and Reading R R. Co. bonds, 
N. Y., Lack, and Western R.R. bonds, 
Lehigh Coal and Navigation Co. bonds, 
Pennsylvania Car Trust Co. bonds, 
New York and Pacific Car Trust Co. bonds 
Railway Car Trust Co. bonds, 
Schuylkill Navigation Co. bonds, 
Pennsylvania Railroad Co. bonds, 
Louisv'le and Nashv'le Car Trust Co. bonds, 
Philadelphia and Erie R.R. bonds, 
Norfolk and Western R.R. Co. bonds, 
Huntingdon and Broad Top Mt. R.R. bonds 
Phila., Wil. and Baltimore R.R. bonds, 
Elmira and Williamsport R.R. Co. bonds, 
New York and Long Branch R.R. Co. bonds 
Del. and Rar. Canal and Cam. and Amboy 

R.R. and Trans. Co. bonds, . 
North Pennsylvania R.R. Co. bonds, . 
Belt Road and Stock Yard Co. bonds, 
Chicago and W. Indiana R.R. bonds, . 
Philadelphia and Bait. Central R.R. bonds, 
Corn'g, Cowanesque and Antrim R.R. bonds 
Philadelphia and Reading R.R. bonds, 
Philadelphia and Reading R.R. scrip, . 
Delaware and Chesapeake R R. bonds, 
120 shares Pennsylvania Railroad 
100 " North Pennsylvania Railroad, 



Par value. 

$350,000 00 
40,000 00 
5,000 00 
7,000 00 
14,000 00 
20,000 00 
145,000 00 
50,000 00 
40,000 00 
50,000 00 
23,000 00 
32,000 00 
12,000 00 
40,000 00 
10,000 00 
20,000 00 
10,000 00 
10,000 00 
10,000 00 
1,000 00 
15,000 00 

24,000 00 

4,000 00 

20,000 00 

30,000 00 

25,000 00 

20,000 00 

500 00 

2,100 00 

5,000 00 

6,000 00 

5,000 00 



Market value. 

$379,712 50 
40,700 00 

5,800 00 

5,250 00 
14,630 00 
24,000 00 
153,325 00 
58,500 00 
43,400 00 
50,000 00 
23,000 00 
32,000 00 
12,720 00 
48,800 00 
10,000 00 
20,800 00 
10,000 00 

8,900 00 
11,000 00 

1,000 00 
15,000 00 

26,160 00 

4,800 00 

21,000 00 

33,000 00 

25,000 00 

20,200 00 

375 00 

1,947 75 

4,400 00 

6,750 00 

6,945 00 



$1,045,600 00 $1,119,115 25 



1883.] INS. COS. OF OTHER STATES. 



159 



Securities held as collateral for cash loans : — 

Market value. 

Camden and Atlantic R.R. bonds, . . $1,180 00 

United States bonds, 2,477 50 

Steubenville and Indiana R.R. bonds, . 1,000 00 

21 shares Lehigh Valley R.R.,. . . 1,491 00 

461 " Pennsylvania R.R., . . . 26,680 37 

200 " Philadelphia and Reading R.R., 5,500 00 

10 " Pennsylvania R.R., ... 578 75 

1400 " Philadelphia and Reading R.R., 38,500 00 

120 " Cha'st'n.S.C.M.andMTgCo., 19,800 00 

Texas and Pacific Railroad consol. bonds, . 9,900 00 



Loaned thereon. 

$1,000 00 

2,000 00 

750 00 

1,000 00 

22,000 00 

5,000 00 

31,000 00 

20,000 00 



$107,107 62 $82,750 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $144,353 34 

Loans on mort'ge of real estate (first liens*), 362,289 50 

Interest due or accrued thereon, . . 6,603 42 

Stocks, bonds, etc., as per schedule, . . 1,119,115 25 

Loans on collateral security, as per schedule, 82,750 00 

Cash in the office of the company, . . 4,324 42 

Cash deposited in bank, .... 45,578 23 

Interest due and accrued, .... 1,228 24 

Premiums in course of collection (gross), . 37,950 51 

Rents due and accrued, .... 326 30 

Gross assets, $1,804,519 21 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Dividends to stockholders unpaid, 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$36,890 07 

54,094 50 

2,200 00 

453,613 13 

304,438 64 

695 00 

1,038 91 



Surplus over capital, 



852,970 25 

$951,548 96 

400,000 00 

$551,548 96 



* Value of lands mortgaged, .... $271,600 00 

Value of buildings thereon 480,300 00 

Amount of insurance held as collateral, . . 290,850 00 



160 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums, . . $875,355 12 
Deduct reinsurance and return premiums, . 117,088 76 

Net cash received for five premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from all other sources, 

Deposits received for perpetual fire risks, . $29,301 70 

Gross cash income, . ... 



$758,266 36 

15,013 14 

59,589 17 

7,457 97 



$840,356 64 



Expenditures. 

Cash paid for fire losses, .... $191,576 11 

Deduct salvage and reinsurance, . . 26,963 67 

Net cash paid for fire losses, . . • . . — ■ — 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees 

for State and local taxes, . 

for incidentals, .... 

Deposits returned on perpetual fire risk, . $4,994 74 

Gross cash expenditures, 



$464,612 44 

40,040 00 

156,062 31 

92,311 96 

22,880 48 

2,708 77 



$778,615 96 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

.$55,843,419 00 $650,226 99 
. 72,892,533 00 876,707 68 



Total, . . . . . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$128,735,952 00 $1,526,934 67 
. 55,821,801 00 634,260 77 



$72,914,151 00 $892,673 90 
. 1,933,507 00 28,755 67 



. $70,980,644 00 $863,918 23 



Perpetual risks (not included above), . .$12,218,907 00 $325,25123 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, . , £ 



$8,930,293 00 

5,434,657 24 

2,212,975 50 

40,000 00 

496,998 54 

18,800 00 



1883.] INS. COS. OF OTHER STATES. 



161 



ATLANTIC FIRE AND MARINE INSURANCE COMPANY, 
PROVIDENCE, R. I. 

[Incorporated May, 1852. Commenced business June, 1852.] 

Paid-up Capital, $200,000. 

J. S. Parish, President. T. W. Haywakd, Secretary. 



Detailed Statement of Stocks. 



100 shares National Bank of Commerce, 

113 " Weybosset National Bank, 

200 " Merchants' National Bank, 

169 " Fourth National Bank, 

10 " Rhode Island Safe Deposit Co., 

143 " Chicago and Alton R. R. Co., 

200 " Michigan Central Railroad Co., 



Par value. 

$5,000 00 
5,650 00 
10,000 00 
16,900 00 
1,000 00 
14,300 00 
20,000 00 

$72,850 00 



Market value. 

$5,300 00 
7,288 50 
13,800 00 
21,125 00 
1,100 00 
19,019 00 
18,000 00 

$85,632 50 



Summary of Assets, Dec. 31, 1883. 



Cash value of unencumbered real estate, 

Stocks, as per schedule, 

Cash in the office of the company, 

Cash deposited in bank, 

Premiums in course of collection (gross), 

Rents due and accrued, 

Gross assets, ..'... 



$153,280 26 

85,632 50 

139 42 

3,084 29 

6,749 48 

4,010 83 



$252,896 78 



Liabilities. 

Losses adjusted, unpaid, ... 

claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc., 
Due for borrowed money, . 
Commissions and brokerage, 

Reinsurance, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, ..... 



Surplus over capital, 



$3,678 68 

7,862 40 

500 00 

28,971 46 

21 00 

120 86 

4,000 00 

1,630 10 

240 48 



47,024 98 

$205,871 80 
200,000 00 

$5,871 80 



162 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, . ... 

Deduct risks expired and terminated, 

In force at end of year, . } . 

Deduct amount reinsured, . 



$52,690 66 



4,833 03 
4,761 88 
9,411 27 

4,696 84 



Income. 

Cash received for fire premiums, . . $58,098 68 

Deduct reinsurance and return premiums, . 5,408 02 

Net cash received for fire premiums, . . ■ 

Cash rec'd for marine and inland premiums, $12,876 11 
Deduct reinsurance and return premiums, . 8,043 08 

Net cash rec'd for marine and inl'd prem's, 

Interest and dividends received from all sources, 
Income from rents, 

Gross cash income, 

Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, . . . . . 

Cash paid for commissions and brokerage, 

for salaries and incidentals, 

State and local taxes, . 

for expenses on real estate, 

Gross cash expenditures, 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1882, . $4,618,922 00 $49,162 59 



$32,750 


61 




2,513 


36 


$30,237 25 


$457 83 


254 


55 




1 




203 28 

12,118 00 

10,381 40 

9,885 22 

1,270 83 

4,351 22 




$68,447 20 



5,848,606 00 58,397 56 



$10,467,528 00 $107,560 15 
5,303,467 00 49,533 52 



>,164,061 00 $58,026 63 
115,284 00 1,151 69 



>,048,777 00 $56,874 94 



$212,200 00 
1,755,073 00 

^1,967,273 00 
1,838,836 00 

$128,437 00 
95,184 00 



$2,473 16 

12,236 46 

H4.709 62 

13,531 93 

$1,177 69 

951 84 



Net amount in force, 



$33,253 00 



$225 85 



1883.] 



INS. COS. OF OTHER STATES. 



163 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), 
Fire losses incurred during the year, . 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$3,302,927 90 

2,460,713 13 

377,000 00 

12,000 00 

36,018 93 

203 28 

60,900 00 



ATLANTIC MUTUAL INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April 11, 1842. Commenced business July 1, 1842.] 

John D. Jones, President. Joseph H. Chapman, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



American Exchange Bank stock, 

Bank of America stock, 

Bank of Commerce stock, . 

Bank of New York stock, . 

Leather Manufacturers 1 Bank stock, 

Merchants' Bank stock, 

Mechanics' Bank stock, 

Manhattan Company stock, . 

Market Bank stock, 

Metropolitan Bank stock, . 

Phenix Bank stock, 

Union Bank stock, 

New York State bonds, 

N. Y. Cent'l and Hudson River R. R. stock 

New York Central Railroad bonds, . 

New York, L. E.and Western R. R, bonds, 

Delaware and Hudson Canal Co. bonds, 

New York city and county bonds, 

Brooklyn city bonds, . 

Jersey city bonds, 

District of Columbia bonds, 

United States bonds, . 



Par value. 

$71,700 00 

100,000 00 

20,000 00 

46,300 00 

15,600 00 

70,150 00 

47,675 00 

18,000 00 

25,000 00 

36,200 00 

41,100 00 

32,000 00 

45,000 00 

100,000 00 

139,000 00 

100,000 00 

87,000 00 

400,600 00 

122,000 00 

100,000 00 

310,000 00 

7,910,000 00 



Market value.* 

$64,530 00 

100,000 00 

20,000 00 

46,300 00 

15,600 00 

70,150 00 

47,675 00 

18,000 00 

22,500 00 

36,200 00 

36,990 00 

32,000 00 

45,000 00 

100,000 00 

118,150 00 

80,000 00 

78,300 00 

380,600 00 

109,800 00 

90,000 00 

217,000 00 

6,938,000 00 



$9,837,325 00 $8,666,795 00 
Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

Importers' and Traders' Bank stock, . . $6,000 00 $2,500 00 

Atlantic State Bank stock 18,000 00 12,000 00 

Union Pacific Railroad stock, . . . \ ioaaaaa -.ataaa^ 

n -o -i ^ ! ? 12,000 00 10,000 00 
Oregon Railway and Nav. Co. stock, . . J 



* Estimated for the purpose of permanent investment. 



164 FIRE, MARINE, AND FIRE-MARINE [Dec. 31. 



Central Pacific R. R. of Cal stock, 
Morris and Essex R. R. stock, 
N. Y. Cent'l and Hudson River R. R. stock 
Cleveland, Col., Cinn. and Ind. R.R. stock 
Chicago, Milwaukee and St. Paul R R. stock 
Texas and Pacific R. R. bonds, . 
Northern Pacific R. R. bonds, 
Louisville and Nashville R. R. bonds, 
Delaware and Hudson Canal Co. bonds, 
Pennsylvania R. R. mortgage bonds, . 
Pacific R. R. of Missouri mortgage bonds, 
Wabash, St. Louis and Pacific R. R. bonds 
N. Y., West Shore and Buffalo R. R. bonds 
N. Y., West Shore and Buffalo R R. bonds 
Chicago, Burl, and Quincy R. R. bonds, 
Mutual Gas-Light Co. stock, 
Cleveland, CoL, Cinn and Ind. R.R. stock 
Delaware, Lacka. and Western R. R. stock 
New York and Harlem R. R. stock, . 
Delaware and Hudson Canal Co. stock, 
Chicago and North Western Railway stock 
Adams Express Co. stock, . 
Delaware, Lacka. and Western R. R. stock 
Chicago and No. West. Railway S. F. bonds 
St. Louis and Iron Mountain Railway bonds 
Chicago, Milwaukee and St. Paul R.R. stock 
Central Park, N. and E. River R. R. stock 
Lake Shore and Michigan So. R. R stock, 
New York, Lacka. and Western R. R. stock 



} 



Market value. 

$3,300 00 



Loaned thereon. 

$3,000 00 



26,000 00 14,500 00 

13,000 00 
18,000 00 

7,000 00 

5,000 00 

1,500 00 

2,000 00 

6,000 00 

10,000 00 

46,000 00 

200,000 00 

3,300 00 
40,000 00 

6,200 00 
13,000 00 
58,000 00 
106,000 00 
15,700 00 
16,900 00 

6,500 00 

11,600 00 

238,000 00 

22,000 00 

11,600 00 

7,000 00 

9,800 00 

4,000 00 



y 50,000 oo 



39,000 00 
160,000 00 



} 100,000 00 



100,000 00 

20,000 00 

9,500 00 
200,000 00 

22,000 00 

5,000 00 

9,000 00 



$943,400 00 $756,500 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $250,000 00 

Stocks, bonds, etc., as per schedule, . . 8,666,795 00 

Loans on collateral security, as per schedule, 756,500 00 
Cash deposited in bank and with English 

bankers, ;' . . 1,710,710 68 

Notes taken for marine and inland risks, . 1,588,306 79 

Gross assets, 



■$12,972,312 47 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 



$160,187 40 

2,197,087 60 

42,000 00 

1,447,756 70 

206,000 00 



1883.] INS. COS. OF OTHER STATES. 165 

Interest due or accrued on scrip, . . $22,926 15 

Return premiums, 174,407 80 

Miscellaneous, 15,479 26 

Gross liabilities, except scrip, . . $4,265,844 91 



Surplus as regards policy-holders, .... $8,706,467 56 
Scrip outstanding, not ordered to be redeemed, . . . 6,778,950 00 



Surplus over scrip, $1,927,517 56 

Income. 

Cash recM for marine and inland premiums, $4,288,173 35 
Deduct reinsurance and return premiums, . 554,674 17 

Net cash rec'd for marine and inl'd prem's, $3,733,499 18 

Interest and dividends received from all sources, . . 560,637 92 
Income from rents, . . l^'.SOO 00 



Gross cash income, $4,312,937 10 

Expenditures. 

Cash paid for marine and inland losses, . $1,901,042 38 
Deduct salvage and reinsurance, . . 26,485 91 

Net cash paid for marine and inland losses, $1,874,556 47 

Cash paid for redemption of scrip, 1,723,245 00 

Interest paid scrip-holders, • . 428,881 40 

Cash paid for commissions and brokerage, . . . 20,437 80 

for salaries of officers and employees, -. . 361,918 21 

for State and local taxes, 48,028 19 



Gross cash expenditures, $4,457,067 07 

Risks and Premiums. 

Premiums. 

Marine risks outstanding Dec. 31, 1882, . $97,680,924 00 $1,539,232 53 
written during 1883, . . 344,694,428 00 4,168,953 10 



Total, $442,375,352 00 $5,708,185 63 

Deduct risks expired and terminated, . 346,886,265 00 4,260,428 93 



In force at end of year, .... $95,489,087 00 $1,447,756 70 

Miscellaneous. 

Scrip dividends declared during the year, .... $1,547,360 00 
Marine and inland losses incurred during the year, . . 2,046,614 38 



166 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



BOATMAN'S FIRE AND MARINE INSURANCE COMPANY, 

PITTSBURGH, PENN. 

[Incorporated March^20, 1865. Commenced business May 23, 1865.] 

Paid-up Capital, $250,000. 

Oliver P. Scaife, President. Earl S Gardner, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



Pittsburgh, Cin. and St. Louis R.R. bonds, 
Monongahela Water Co. stock, . 
People's Savings Bank stock, 
Exchange National Bank stock, . 
Pittsburgh, Allegh. and Manch. Pass. R.R 

bonds, 

Allegheny Valley R.R. inc. bonds, 
Pittsburgh, Allegh. and Manch. Pass. R.R 

stock, .... 
Pittsburgh Water bonds, 
City Insurance Company stock, 
Liberty School "District bonds, 
Safe Deposit Company stock, 
Pittsburgh and Connellsville R.R. bonds, 
Iron City National Bank stock, 
Erie and Pittsburgh R.R. bonds, 
Citizens 1 National Bank stock, 
Pittsburgh Street bonds, 
Erie and Pittsburgh R.R. stock, 
Allegheny Valley R.R. bonds, 
Point Bridge Company mortgage bonds, 
Merchants 1 and Manufs. Nat'l Bank stock, 
PittsVgh and Manch. Pass. mort. bonds, 
Safe Deposit Company stock, 
Allegheny Valley R.R. scrip, 



Par value. 

$65,000 00 

950 00 

1,300 00 

5,450 00 

2,500 00 
19,900 00 

5,800 00 

17,000 00 

1,250 00 

2,000 00 

2,250 00 

10,000 00 

2,000 00 

5,000 00 

4,650 00 

5,000 00 

15^000 00 

12,000 00 

1,700 00 

2,500 00 

6,000 00 

7,750 00 

30 35 



Market value. 

$78,975 00 
1,976 00 
2,145 00 
8,938 00 

3,125 00 
6,169 00 

10,440 00 

21,080 00 

1,550 00 

2,320 00 

2,250 00 

12,450 00 

4,240 00 

5,750 00 

6,324 00 

5,375 00 

16,800 00 

15,000 00 

1,793 50 

2,925 00 

6,360 00 

775 00 

8 80 



5,030 35 $216,769 30 



Securities held as collateral for cash loans 

Bank of Pittsburgh stock, . 
People's Insurance Company stock, . 
Pittsburgh, Cin. and St. Louis R.R. bonds, 



Market value. 

$10,150 00 

377 50 

4,860 00 


Loaned thereon 

$9,000 00 

200 00 

4,068 00 


$15,387 50 


$13,268 00 



1883.] INS. COS. OF OTHER STATES. 



167 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $60,925 12 

Loans on mort'ge of real estate (first liens*) , 65,613 34 

Interest due or accrued thereon, . . . 552 19 

Stocks, bonds, etc., as per schedule, . . 216,769 30 

Loans on collateral security, as per schedule, 1 3,268 00 

Cash in the office of the company, . . 2,703 92 

Cash deposited in bank, .... 33,729 51 

Premiums in course of collection (gross), . 16,141 31 

Notes taken for marine and inland risks, . 1,493 33 

Rents due and accrued, .... 405 34 

Bills receivable, 115 17 

Gross assets, 



1,716 53 



>1 06 

14,046 86 

59,331 60 

911 69 

4,496 47 

3,541 78 

117 74 

24 10 



Liabilities. 

Losses adjusted, unpaid, 

Losses claimed and reported, 

Unearned premiums on outstanding risks, 

Due and accrued for rent, salaries, etc., 

State and local taxes, . 

Commissions and brokerage, 

Return premiums, .... 

Reinsurance due, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, . 

Income. 

Cash received for fire premiums, . . $125,276 54 

Deduct reinsurance and return premiums, . 20,169 73 

Net cash received for fire premiums, . . 

Cash rec'd for marine and inland prem's, . $17,744 25 
Deduct reinsurance and return premiums, . 3,832 56 

Net cash rec'd for marine and inland prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Income from all other sources, 

Gross cash income, 



82,961 30 



$328,755 23 
250,000 00 



,755 23 



$105,106 81 



13,911 69 

4,625 06 

14,145 40 

3,268 41 

168 04 

$141,225 41 



* Value of lands mortgaged $109,400 00 

Value of buildings thereon, .... 68,100 00 
Amount of insurance held as collateral, . . 28,043 00 



168 FIRE, MARINE, AND FIRE-MARINE [Dec. 31 



Expenditures. 

Cash paid for fire losses, $55,073 65 

Cash paid for marine and inland losses, . $7,966 05 

Deduct salvage and reinsurance, . . 95 44 

Net cash paid for marine and inland losses, 7,870 61 

Cash dividends paid, 20,000 00 J 

Cash paid for commissions and brokerage, . . . 21,923 51 

for salaries of officers and employees, . . 6,605 96 

State and local taxes, . . . . . 3,695 02 

for incidentals, 6,174 82 



Gross cash expenditures, 



$121,343 57 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 

Total, ...... 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year. 
Deduct amount reinsured, . 

Net amount in force, . . 



$5,755,248 00 
10,478,428 00 



$16,233,676 00 
9,207,347 00 



$7,026,329 00 
44,800 00 



Premiums. 

$74,699 31 
131,411 10 



,110 41 
92,650 57 



1113,459 84 

618 85 



>,981,529 00 $112,840 99 



$271,979 00 
1,572,882 00 



H ,844,861 00 
1,788,028 00 



$56,833 00 
3,000 00 



$7,473 20 
15,384 01 



22,857 21 
18,548 88 



L,308 33 
300 00 



$53,833 00 $4,008 33 



Miscellaneous. 

Premiums received from organization of company, . 

Losses paid from organization of company, 

Cash dividends declared from organization of company, 

Dividends declared during the year (8 per cent.), 

Fire losses incurred during the year, . 

Marine and inland losses incurred during the year, . 

Company's stock owned by directors, 



,170,415 44 
655,281 94 
187,107 50 
20,000 00 
62,707 38 
10,270 07 
49,950 00 



1883.] 



INS. COS. OF OTHER STATES. 



169 



BUFFALO INSURANCE COMPANY, BUFFALO, NEW YORK. 

[Incorporated July 15, 1874. Commenced business July 17, 1874.] 

Paid-up Capital, $200,000. 

Pascal P. Pratt, President. Edward B. Smith, Secretary. 



Summary op Assets, Dec. 31, 1883. 

$202,000 00 

118 26 

39,603 59 

1,000 00 

8,878 82 

1,043 00 



United States bonds, .... 
Cash in the office of the company, 
Cash deposited in bank, . ! 
Interest due and accrued, 
Premiums in course of collection (net), 
Notes taken for marine and inland risks, 
Gross assets, 



$252,643 67 



Liabilities. 

Losses claimed and reported, 
Unearned premiums on outstanding risks, 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, . 



$2,551 00 
31,821 01 



34,372 01 

$218,271 66 

200,000 00 

$18,271 66 



Income. 

Cash received for fire premiums, . . $69,431 74 

Deduct reinsurance and return premiums, . 9,108 73 

Net cash received for fire premiums, . . 

Cash rec'd for marine and inland premiums, $25,415 81 

Deduct reinsurance and return premiums, . 1,011 53 

Net cash rec'd for marine and inl'd prem's, 

Interest and dividends received from all sources, 

Gross cash income, 



$60,323 01 



24,404 2a 
6,944 5a 

$91,671 82 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

paid for commissions and brokerage, 



$32,159 07 
1,484 72 

$39,813 49 
2,027 15 



,674 35 



$37,786 34 
10,000 00 
18,992 16 



170 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash paid for salaries of officers and employees, 
State and local taxes, .... 
for incidentals, . 

Gross cash expenditures, 

Risks and Premiums. 

Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 



In force at end of year, 

Marine risks outstanding Dec 31, 1882, 
written during 1883, 

Total, . . .... 

Deduct risks expired and terminated, 

In force at end of year, 



13,666 67 
1,815 54 
2,330 95 



IUMS. 

. $1,525,985 00 
. 6,703,129 00 


$105,266 01 

Premiums. 
$48,554 62 
72,240 73 


.$11,229,114 00 
. 5,668,473 00 


$120,795 35 
58,680 61 


. $5,560,641 00 

. $298,064 00 
. 6,371,061 00 


$62,114 74 

$7,706 75 
22,362 69 


. $6,669,125 00 
. 6,489,08~ 00 


$30,069 44 
28,306 54 



$180,038 00 $1,762 90 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (5 per cent.), 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$1,353,564 48 

963,279 36 

132,000 00 

10,000 00 

27,308 33 

23,855 48 

118,600 00 



BUFFALO GERMAN INSURANCE COMPANY, BUFFALO, N. Y' 

[Incorporated Feb. 15, 1867. Commenced business Feb. 16, 1867.] 

Paid-up Capital, $200,000. 

Philip Becker, President. Oliver J. Eggert, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 

German Young Men's Ass'n mort. bonds, 

City warrants, . . . . 



Par value. Market value. 

$380,000 00 $440,400 00 

25,000 00 25,000 00 

659 80 659 80 



$405,659 80 $466,059 80 



1883.] 



INS. COS. OF OTHER STATES. 



171 



Securities held as collateral for cash loans 



Citizens' Gas Company bonds, 
Third National Bank stock, 
German Bank stock, .... 
Union Fire Insurance Company stock, 
Suspension Bridge Village bonds, 
Citizens' Gas Company bonds, . 
German Young Men's Association bonds, 
Fireman's Fund Insurance Company stock, 



Market value. 

$30,000 CO 

5,000 00 

7,500 00 

2,200 00 

2,000 00 

10,000 00 

60,000 00 

3,000 00 

$119,700 00 



Loaned thereon. 

124,000 00 
10,000 00 

1,800 00 
10,000 00 

50,000 00 
2,000 00 

$97,800 00 



Summary of Assets, Dec. 31, 1883. 



Cash value of unencumbered real estate, . 

Loans on mort'ge of, real estate (first liens*), 

Interest due or accrued thereon, . 

« 

Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the ofijce of the company, , 

deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Notes taken for fire risks, . 
Bents due and accrued, . . . 
Gross assets,f .... 

Liabilities. 

Losses adjusted unpaid, 

claimed and reported, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, ..... 

Surplus over capital, . 



$275,000 00 

66,625 00 

659 25 

466,059 80 

97,800 00 

1,320 81 

73,403 49 

300 00 

44,888 24 

1,643 73 

200 00 



$12,573 55 

12,629 35 

250,126 26 

8,200 21 



.,027,900 32 



283,529 37 

$744,370 95 
200,000 00 

$544,370 95 



Income. 

Cash received for fire premiums, 

Deduct reinsurance and return premiums, 

Net cash received for fire premiums, . 



$443,584, 21 
74,074 51 



$369,509 70 



* Value of lands mortgaged $111,230 00 

Value of buildings thereon, .... 93,550 00 

Amount of insurance held as collateral, . 52,614 00 
t Including $200,000.00 special reserve fund held under New York law. 



172 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest received on bonds and mortgages, . . . $3,787 52 

Interest and dividends received from all other sources, . 21,313 74 

Income from rents, 14,934 82 

from brokerage, . 2,838 21 



Gross cash income, 



$412,383 99 



Expenditures. 

Cash paid for fire losses, .... $177,576 65 
Deduct salvage and reinsurance, . . 2,540 35 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

lor expense on real estate, . 

for incidentals, 

for profit and loss, .... 

Gross cash expenditures, . . . • 



$175,036 30 

30,000 00 

75,980 94 

19,195 36 

9,245 25 

9,018 00 

16,726 82 

1,000 00 

$336,202 67 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

$42,639,457 00 $428,050 00 
43,557,949 00 456,385 46 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



Net amount in force, 



Miscellaneous 



,197,406 00 $884,435 46 
38,673,566 00 391,120 55 



$47,523,840 00 $493,314 91 
1,135,684 00 10,539 16 



$46,388,156 00 $482,775 75 



Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (15 per cent.) . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



$3,316,121 22 

1,512,831 62 

405,925 00 

30,000 00 

184,626 45 

66.000 GO 



1883.] 



INS. COS. OF OTHER STATES. 



173 



CITIZENS 1 INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April, 1836. Commenced business April, 1837. ] 

PAiD-ur Capital, $300,000. 

James M. McLean, President. Frank M. Parker, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
Virginia State bonds, .... 
Lake Shore and Michigan So. R. R. bonds, 
Union Trust Co. stock, 
National Citizens' Bank stock, . 
Union Pacific R. R. stock, . 
National Bank of Commerce stock, . 
N. Y. Cent 1 ! and Hudson River R. R. stock, 



Par value. 

,000 00 
10,000 00 
50,000 00 
10,000 00 
24,500 00 
10,000 00 
10,000 00 
10,000 00 



Market value. 

^458,750 00 

2,500 00 

62,500 00 

35,000 00 

30,625 00 

7,400 00 

15,400 00 

11,200 00 



$524,500 00 $623,375 00 



Securities held as collateral for cash loans 

Nat'l Butchers 1 and Drovers 1 Bank stock, . 
Chicago and North Western R. R. stock, . 
Metropolitan Gas-Light stock, 
Michigan Central R. R. stock, 
Laf, Bloomington and Muncie R. R. bonds, 
Texas and Pacific R. R. bonds, . 
Delaware, Lacka. and Western R. R. stock, 
National Citizens' Bank stock, . 
National Citizens 1 Bank stock, 

Oriental Bank stock, 

Manufacturers' National Bank stock, . 
Williamsburgh Gas-Light stock, 
Second Avenue R. R. stock, 



Market value. Loaned thereon. 


$1,575 00 


$900 00 


10,000 00 


7,500 00 


40,000 00 \ 
25,500 00 / 


50,000 00 




28,200 00 "\ 
9,550 00 / 


35,000 00 


23,400 00 


20,000 00 


21,875 00 


16,000 00 


625 00 ^ 




1,350 00 1 




900 00 <> 


5,000 00 


1,680 00 j 




4,200 00 J 




$168,855 00 $134,400 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $112,000 00 

Loans on mort'ge of real estate (first liens*) , 56,900 00 

Interest due or accrued thereon, . . . 284 50 

Stocks, bonds, etc , as per schedule, . . 623,375 00 



* Value of lands mortgaged $50,500 00 

Value of buildings thereon, .... 69,500 00 
Amount of insurance held as collateral, . . 45,200 00 



174 FIRE, MARINE, AND FIRE-MARINE [Dec. 31 



Loans on collateral security, as per schedule, 

Cash in the office of the company, 

Cash deposited in bank, 

Interest due and accrued, . 

Premiums in course of collection (gross), 

Rents due and accrued, 

Gross assets, .... 

Deduct special deposits in other States, 

Balance, ..... 



$134,400 00 

4,388 25 

61,007 61 

4,787 83 

43,740 76 

700 00 



1,041,583 95 
61,875 00 

$979,708 95. 



LIABILITIES. 

Losses adjusted, unpaid, 

claimed and reported, 

Total amount of losses, 

Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc., 
State and local taxes, .... 
Commissions and brokerage, 
Return premiums, .... 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, . 



$25,384 41 
50,747 93 



,132 34 
1,446 85 



$74,685 49 

227,397 54 

112 70 

1,600 00 

750 CO 

6,302 00 

800 00 



311,647 73- 



8,061 22 
300,000 00 



,061 22 



Income. 

Cash received for fire premiums, . . $426,151 37 
Deduct reinsurance and return premiums, . 61,013 02 

Net cash received for fire premiums, . . $365,138 35 

Interest received on bonds and mortgages, . . '. 3,336 96 

Interest and dividends received from all other sources, . 33,650 64 

Income from rents, 4,428 87 

Income from profit on sale of stock, 525 00 

Gross cash income $407,079 82 



Expenditures. 



Cash paid for fire losses, 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, 



$233,850 71 
15,246 95 



$218,603 76: 



1883.] 



INS. COS. OF OTHER STATES. 



175 



Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



>,433 30 

60,439 87 

51,323 65 

I 6,561 39 

35,695 58 

$413,057 55 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
Fire risks written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



. $72,063,875 00 

. 67,477,475 00 

$139,541,350 00 

. 71,780,850 00 



$67,760,500 00 
3,059,114 00 



Premiums." 

$496,974 00 
433,012 28 

$929,986 28 
461,763 47 

,222 81 
22,772 40 



. $64,701,386 00 $445,450 41 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (13^ per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$7,326,255 91 

3,327,238 47 

1,630,050 00 

40,500 00 

251,490 62 

73,160 00 



CITIZENS 1 INSURANCE COMPANY, PITTSBURGH, PA. 

[Incorporated March 7, 1849. Commenced business 1850.] 

Paid-up Capital, $500,000. 

Wm. G. Johnston, President. Walter Morris, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



Springfield school bonds, 
Sixth Ward school bonds, . 
Howard school bonds, 

United States bonds 

Pittsburgh and Birmingham R. R. bonds, 
Pittsburgh and Connellsville R. R. bonds, 
Allegheny city bonds, .... 
Pittsburgh city loan, .... 



Par value. 

$4,000 00 
5,000 00 
8,000 00 
5,000 00 
1,500 00 
1,000 00 
5,000 00 

17,500 00 



Market value 

$4,160 00* 
6,250 00 
8,320 00 
5,620 00 
1,725 00 
1,100 00 
5,050 00 

17,500 00 



176 FIRE, MARINE, AND FIRE-MARINE [Dec. 31. 



Allegheny county bonds, 
Steubenville and Ind. R. R. bonds, 

100 shares First National Bank, . 

100 " Safe Deposit Company, 

100 " Masonic Bank, . 

100 " Metropolitan National Bank, 

100 " Citizens' National Bank, . 

165 " Allegheny National Bank, 

122 " Duquesne National Bank, . 

100 " Third National Bank, 

100 " Marine National Bank, . . 

25 " Mechanics 1 National Bank, 

19 " First National Bank, . 
90 " Birmingham Insurance Co., 

20 " Allegheny Insurance Co., . 
25 " Monongahela Insurance Co., 

100 " Suspension Bridge Company, 

10 " Eagle Cotton Mills, . 

15 " N. Y. and Cleveland Coal Co., 

28 " Lawrence Railroad, . 

200 " Pittsburgh and McKeesport R. R., 



Par value. 

$1,000 00 
3,000 00 

10,000 00 
5,000 00 
5,000 00 

10,000 00 
5,000 00 
8,250 00 

12,200 00 

10,000 00 

10,000 00 
1,250 00 
1,900 00 
4,500 00 
1,000 00 
1,250 00 
2,500 00 
1,000 00 
750 00 
1,400 00 

10,000 00 



Market value. 
$1,110 50 

3,090 00 

17,800 00 

5,000 00 

5,800 00 

10,000 00 

6,825 00 

11,220 00 

14,640 00 

15,700 00 

10,000 00 

2,537 50 

3,354 50 

3,780 00 

1,100 00 

1,250 00 

8,000 00 

500 00 

1,050 00 

1,820 00 

10,000 00 



1152,000 00 $184,302 50 



Securities held as collateral for cash loans : — 



14 shares Iron City National Bank, . 
5 " Mechanics' National Bank, 
1 cert. Union Storage Company, 

16 shares Duquesne Incline Plane Co., 
120 " Monongahela Insurance Co., 
269 " Allegheny Gas Company, . 
100 " Masonic Bank, . 

71 " Monongahela Incline Plane Co. 

15 " First National Bank, . 

12 " Del. Mutual Insurance Co., 
30 " Monongahela Insurance Co., 
10 " Mechanics' National Bank, 

118 " City Insurance Company, . 

104 " Allegheny Gas Company, . 

Ashtabula and Pittsburgh Railroad bonds, 
10 shares Third National Bank, 
10 " Citizens' National Bank, . 
80 " Union Insurance Company, 

P. C. and St. L. Railroad bond, . 

Mt. Oliver Incline Plane Co., 
15 shares Marine National Bank, 

Sixth Ward School bonds, . 



Market value. 

$1,428 00 

507 50 

791 43 

850 00 

6,000 00 

10,298 00 

5,800 00 

4,615 00 

2,625 00 

600 00 

1,500 00 

1,025 00 

7,080 00 

4,368 00 

7,100 00 

1,570 00 

680 00 

4,000 00 

1,200 00 

2,000 00 

1,500 00 

15,600 00 



Loaned thereon 

\ $1,710 00 

791 43 
750 00 
5,000 00 
9,500 00 
4,800 00 
3,550 00 

i 
I 

} 8,000 00 



} 



2,500 00 
6,100 00 

2,100 00 

3,200 00 
2,750 00 

950 00 
13,000 00 



1883.] 



INS. COS. OF 



United States bonds, . 
8 shares Western Insurance Co., * . 
50 " Pennsylvania Insurance Co., 
50 " Woodruff Car Co., 
70 " Fifth Avenue Bank, 
20 " Freehold Bank, . 



Summary of Assets, Dec 
Cash value of unencumbered real estate, 
Loans on mortg'e of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, 

Gross assets, .... 

Liabilities. 

Losses claimed and reported, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, .... ... 

Surplus over capital, . ... 

Income. . 

Cash received for fire premiums, . . $117,280 18 
Deduct reinsurance and return premiums, . 15,255 82 

Net cash received for fire premiums, . . 

Cash received for marine and inland premiums, 
Interest received on bonds and mortgages, 
Interest and dividends received from all other sources, 
Income from rents, 



CR STATES. 


177 


Market value. 


Loaned thereon. 


$6,200 00 


$5,000 00 


560 00 


400 00 


2,900 00 


1,500 00 


1,500 00 


937 50 


3,150 00 


2,500 00 


1,100 00 


1,000 00 


$96,547 93 


$76,038 93 


EC. 31, 1883. 




$8,000 00 




194,379 97 




3,249 95 




184,302 50 




70,038 93 




22,931 39 




100,124 36 




385 00 




15,265 15 




2,483 33 




100 00 






$607,260 58 


$11,873 93 


67,445 49 




692 78 




307 22 






80,319 42 



$526,941 16 
500,000 00 

$26,941 16 



Received for increased capital, 
Gross cash income, 



$300,000 00 



$102,024 36 

9,783 48 

4,972 86 

18,123 20 

573 50 



$135,477 40 



* Total value of property mortgaged, . . $509,300 00 
Amount of insurance held as collateral, . 84,343 00 



178 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, 

Cash paid for marine and inland losses, 

Cash dividends paid, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$47,579 19 

1,154 41 

16,000 00- 

23,109 44 

6,320 14 

3,265 89 

12,921 54 

$110,350 61 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 

Total, ...,., 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, 

In force at end of 3 T ear, 
Deduct amount reinsured, . 

Net amount in force, 



$4,910,320 00 
12,319,318 00 



$17,229,638 00 
6,297,299 00 



$10,932,339 00 
260,513 00 



Premiums. 

$53,275 79- 
128,731 16 

$182,006 95 
58,558 90 



$123,448 05 
3,072 47 



$10,671,826 00 $120,375 58 



$4,573 33. 
10,086 38 



$61,416 00 
2,421,275 00 

52,482,691 00 
2,330,975 00 

$151,716 00 
5,500 00 



$146,216 00 $5,564 55 



$14,659 
8,740 


71 

16 


$5,919 55 
355 0G 



Miscellaneous. 

Premiums received from organization of company, . . $1,580,115 00 

Losses paid from organization of company, . ." . 667,962 00 

Cash dividends declared from organization of company, . 579,000 00 

Dividends declared during the year, 16,000 00 

Fire losses incurred during the year, 52,854 85 

Marine and inland losses incurred during the year, . . 2,654 41 

Company's stock owned by directors, .... 120,900 00 



1883.] INS. COS. OF OTHER STATES. 



179 



CITIZENS' INSURANCE COMPANY, ST. LOUIS, MISSOURI. 

[Incorporated February, 1837. Commenced business February, 1837.] 

Paid-up Capital, $200,000. 

J. B. M. Kehlor, President. John P. Harrison, Secretary 



Detailed Statement of Stocks, Bonds, etc. 



North Missouri Railroad bonds, . 
Laclede Gas Company bonds, 
Venice Elevator Company bonds, 
Advance Elevator Company bonds, . 
St. Louis Chamber of Commerce bonds, 
St. Joseph city bonds, .... 
St. Louis Grain Elevator Company, . 



Securities held as collateral for cash loans : 

East St. Louis Elevator Company bonds, . 
Laclede Gas Company stock, . . . 
Advance Elevator Company stock, 



Par value. 

$100,000 00 
35,000 00 
32,000 00 
21,000 00 
22,000 00 
15,000 00 
10,000 00 



Market value 

$121,500 00 
35,875 00 
32,160 00 
21,105 00 
22,000 00 
12,000 00 
10,700 00 



$235,000 00 $255,340 00 



Market value. 

$180,000 00 

25,000 00 

6,250 00 



Loaned thereon. 

$75,000 00 

20,000 00 

5,500 00 



$211,250 00 $100,500 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, , $13,000 00 

Loans on mortg'e of real estate (first liens*), 25,850 00 

Interest due or accrued thereon, . . . 377 00 

Stocks, bonds, etc., as per schedule, . . 255,340 00 

Loans on collateral security, as per schedule, 100,500 00 

Cash in the office of the company, . . 394 24 

Cash deposited in bank, .... 8,660 96 

Interest due and accrued, • . . . 812 40 

Premiums in course of collection (gross), . 9,785 37 

Gross assets, 



$414,719 97 



* Value of lands mortgaged, .... $11,40000 

Value of buildings thereon 50,000 00 

Amount of insurance held as collateral, . 30,000 00 



180 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 

Losses claimed and reported, . . . $6,575 00 

disputed or resisted, .... 2,000 00 

Unearned premiums on outstanding risks, . 31,284 10 

Commissions and brokerage, . . . 1,756 35 

Gross liabilities, except capital, . . 

Surplus as regards policy-holders, . . 

Paid-up capital, 



Surplus over capital, 

Income. 

Cash received for fire premiums, 
Deduct reinsurance and return premiums, 
Net cash received for fire premiums, . 
Cash rec'd for marine and inland prem's, 
Deduct reinsurance and return premiums, 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 



,615 45 



$62,204 77 
2,959 69 



16,876 60 
1,178 72 



Expenditures. 

Cash paid for fire losses, ...... 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for incidentals, . 

Gross cash expenditures, .... 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, . . . . . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks written during 1883, 
Deduct risks expired and terminated, 



$4,288,718 00 
6,198,126 00 



$10,486,844 00 
6,044,851 00 

$4,441,993 00 
38,000 00 



$373,104 52 
200,000 00 

$173,104 52 



,245 08 



5,697 88 

1,750 00 

20,738 71 



,431 67 



$31,289 93 

2,914 68 

12,000 00 

10,237 51 

6,600 00 

5,023 92 

4,636 88 



$72,702 92 



Premiums. 

$58,632 00 
61,377 19 

5120,009 19 
59,257 19 



,752 00 
330 00 



$4,403,993 00 $60,422 00 



$1,290,680 00 
1,290,680 00 



$7,242 00 
7,242 00 



1883.] 



INS. COS. OF OTHER STATES. 



181 



Miscellaneous. 

Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent .), 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$2,704,977 00 

671,798 00 

12,000 00 

30,269 38 

1,609 68 

146,800 00 



CITY FIRE INSURANCE COMPANY OF THE CITY OF NEW 

YORK. 

[Incorporated April 26, 1833. Commenced business June 6, 1833.] 

Paid-up Capital, $210,000. 

Samuel Townsend, President. David J. Blauvelt, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 



1700 shares Tradesmen's National Bank, 
200 " N. Y. Central and H. R. R.R., 
United States bonds, .... 



Par value. Market value. 

$68,000 00 |76,160 00 

20,000 00 22,400 00 

185,000 00 221,000 00 



$273,000 00 $319,560 00 



Summary of Assets, Dec. 31, 1883. 

$76,500 00 



Loans on mort'ge of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Prems. more than 3 mos. due, . $94 44 
Gross assets, 



1,772 08 
319,560 00 
4,269 11 
4,358 13 
3,780 41 
1,920 16 



$412,159 89 



Liabilities. 

Losses claimed and reported, . . . $350 00 

Unearned premiums on outstanding risks, . $25,666 23 

Due and accrued for rent, salaries, etc., . 1,033 33 



* Value of lands mortgaged $84,700 00 

Value of buildings thereon, .... 80,300 00 
Amount of insurance held as collateral, . . 67,350 00 



182 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



State and local taxes, 

Commissions and brokerage, 

Return premiums, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, . . . . . 

Surplus over capital, .... 

Income. 
Cash received for fire premiums, 
Deduct reinsurance and return premiums, . 
Net cash received for fire premiums, . 
Interest received on bonds and mortgages, 
Interest and dividends received from all other sources, 
Income from all other sources, . 

Gross cash income, . . 



Expenditures. 

Cash paid for fire losses, 

Cash dividends paid, .." " 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 
Risks and Premiums. 



$525 00 




272 67 




27 52 






$27,874 75 




• • . 


$384,285 14 


• 


210,000 00 


. 


$174,285 14 


$47,985 64 




2,942 09 






$45,043 55 
5,980 22 


... 


sources, 


13,003 75 


. 


1,746 10 



Fire risks outstanding Dec. 31, 1882, , 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$10,785,307 00 
10,985,892 00 



521,771,199 00 
10,874,613 00 



$10,896,586 00 
152,150 00 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



55,773 62 



,420 04 

21,000 00 

5,197 98 

13,921 51 

6,997 87 

9,454 66 

$66,992 06 



Premiums. 

$47,269 89 
47,674 58 



,944 47 
44,619 76 

$50,324 71 
736 51 



$10,744,436 00 $49,588 20 



53,007,244 95 
1,371,018 56 
1,681,800 00 

21,000 00 
9,089 99 

29,190 00 



1883.] INS. COS. OF OTHER STATES. 



183 



CLINTON FIRE INSURANCE COMPANY, NEW YORK. 

[Incorporated July, 1850. Commenced business July 11, 1850.] 

Paid-up Capital, $250,000. 

Geo. T.JPatterson, Jr., President. Chas. E. W. Chambers, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
Delaware and Hudson Canal Co. bonds, 
Central Railroad of New Jersey bonds, 
New York Central and H. R R.R. stock, 
American Exchange National Bank stock, 
Merchants' National Bank stock, 



Par value. 

$259,000 00 

60,000 00 

2,100 00 

70,000 00 

10,000 00 

2,850 00 



Market value. 

$301,445 00 

43,200 00 

2,162 00 

79,100 00 

13,900 00 

3,762 00 



$403,950 00 $443,569 00 



Summary of Assets, Dec. 31, 1883. 



Loans on mortfge of real estate (first liens*) , 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Gross assets, . . 



$26,400 00 

132 00 

443,569 00 

2,033 65 

180 89 

3,495 00 

30,352 26 



$506,162 80 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, . 
Unearned premiums on outstanding risks, 
Due for borrowed money, . 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, . . . . 

Surplus over capital, 



$3,871 84 

5,181 00 

1,000 00 

94,360 05 

30,000 00 

5,273 64 



139,686 53 



$366,476 27 
250,000 00 

$116,476 27 



* Value of lands mortgaged, .... $35,500 00 
Value of buildings thereon, .... 23,500 00 
Amount of insurance held as collateral, . . 13,600 00 



184 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums, . . $254,044 37 

Deduct reinsurance and return premiums, . 38,658 31 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 



$215,386 06 

1,364 00 

18,744 33 

$235,494 39 



Expenditures. 

Cash paid for fire losses, . . . $135,861 56 

Deduct salvage and reinsurance, . . 20,416 88 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, ..... 

Gross cash expenditures, .... 



$115,444 68 
25,000 00 
40,392 69 
18,207 00 
3,884 54 
29,375 84 

§232,304 75 



Rises and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



13,275,445 00 
. 39,463,033 00 



. $62,738,478 00 
. 33,640,387 00 



$29,098,091 00 
3,274,184 00 



Premiums. 

$166,324 86 
265,818 38 

$432,143 24 
230,076 01 

$202,067 23 
20,472 55 



$25,823,907 00 $181,594 68 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$3,069,433 55 

1,436,651 34 

1,035,000 00 

25,000 00' 

99,546 45 

76,300 00 



1883.] INS. COS. OF OTHER STATES. 185 



COMMERCE INSURANCE COMPANY, ALBANY, N. Y. 

[Incorporated June 1, 1859. Commenced business June 1, 1859.] 

Paid-up Capital, $200,000. 

Adam Van Allen, President. Richard V. De Witt, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $210,000 00 $278,000 00 

150 shares Nat'l Commercial Bank, Albany, 15,000 00 30,000 00 

133 " First National Bank, Albany, . 13,300 00 21,280 00 

80 " Nat'l Albany Exchange Bank, . 8,000 00 12,000 00 

80 " Union National Bank, Albany, . 8,000 00 8,800 00 

40 " N. Y. State Nat'l Bank, Albany, 4,000 00 6,400 00 

27 " Albany City National Bank, . 2,700 00 3,375 00 

20 " National Bank of Cohoes, N. Y., 2,000 00 2,000 00 



$263,000 00 $361,855 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $35,000 00 

Stocks, bonds, etc., as per schedule, . . 361,855 00 

Cash in the office of the company, . . 2,007 75 

Cash deposited in bank, . . ' . . 31,702 40 

Interest due and accrued, .... 687 83 

Premiums in course of collection (gross), '. 8,010 31 

Rents due and accrued, . . . . 152 67 

Gross assets, $439,415 96 



Liabilities. 

Amount of unpaid losses, .... $15,80900 

Unearned premiums on outstanding risks, 81,149 77 

State and local taxes, 400 00 

Commissions and brokerage, . . 735 78 

Return premiums, 311 57 

Gross liabilities, except capital, . . 98,406 12 



Surplus as regards policy-holders, .... $341,009 84 
Paid-up capital, 200,000 00 



Surplus over capital, . $141,009 84 



186 FIEE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums, . . $159,938 75 
Deduct reinsurance and return premiums, . 16,727 65 

Net cash received for fire premiums, . . $143,211 10 

Interest and dividends received from all sources, . . 18,163 03 

Income from rents, 1,539 33 

Gross cash income, ....... $162,913 46 



Expenditures. 



Cash paid for fire losses, .... $87,384 


67 




Deduct salvage and reinsurance, . . 3,952 


23 








$83,432 44 
16,000 00 


Cash dividends paid, . . . . , 




Cash paid for commissions and brokerage, 




25,811 33 


for salaries of officers and employees, 




10,594 92 


State and local taxes, .... 




5,729 30 


incidentals, 


• 


7,346 41 


Gross cash expenditures, 


$148,914 40 


Risks and Premiums. 




Premiums. 


Fire risks outstanding Dec. 31, 1882, . . $13,509,073 00 


$131,891 90 


written during 1883, . . . 17,091,073 


00 


162,064 29 


Total, $30,600,146 00 


$293,956 19 


Deduct risks expired and terminated, . . 14,232,821 


00 


125,256 43 


In force at end of year, .... $16,367,325 


00 


$168,699 76 


Deduct amount reinsured, . . . . 975,114 


00 


9,602 41 



Net amount in force, 



$15,392,211 00 $159,097 35 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



^3,515,212 00 

2,376,610 00 

572,000 00 

16,000 00 

87,339 80 

46,725 00 



1883.] 



INS. COS. OF OTHER STATES. 



187 



COMMERCIAL FIRE INSURANCE COMPANY, NEW YORK. 

[Incorporated May 15, 1850. Commenced business May 15, 1850.] 
Paid-up Capital, $200,000. 
David Quackinbush, President. Walter Lawrence, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Brooklyn city bonds, . 
Long Island city bonds, 
Flushing city bonds, . 
Elizabeth city bonds, . 
New York city bonds, . 



Par value. 

$232,000 00 
21,000 00 
10,000 00 
12,000 00 
20,000 00 
1,000 00 



Market value* 

$307,150 00 
29,970 00 
10,000 00 
15,000 00 
10,000 00 
1,400 00 



$296,000 00 $373,520 00 



Summary of Assets, Dec. 31, 1883. 

Loans on mort'ge of real estate (first liens*), $23,700 00 

Interest due or acccued thereon, . . . 119 50 

Stocks, bonds, etc., as per schedule, . . 373,520.00 

Cash in the office of the company, . . 33,239 88 

deposited in bank, .... 2,745 60 

Interest due and accrued, .... 1,166 66 

Premiums in course of collection (gross), . 67,295 83 

Gross assets, $501,787 47 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, 
Less reinsurance, . 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc., 



$15,931 53 

18,633 05 

5,500 00 



$40,064 58 
1,304 00 



5,760 58 

198,775 03 

395 75 

833 33 



* Value of lands mortgaged, . . . . $24,000 00 

Value c f buildings thereon 39,000 00 

Amount of insurance held as collateral, . 28,600 00 



188 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Due for borrowed money, . 
Commissions and brokerage, 
Return premiums, .... 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, . . . 

Surplus over capital, 



$5,000 00 
12,113 25 

120 49 



$255,998 4$ 

$245,789 04 
200,000 00 

$45,789 04 



Income. 

Cash received for fire premiums, . . $421,710 80 

Deduct reinsurance and return premiums, . 49,179 14 

Net cash received for fire premiums, . . 

Cash rec'd for marine and inland premiums, $14,076 43 

Deduct reinsurance and return premiums, . 867 48 

Net cash rec'd for marine and inland prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 



$372,531 66 



13,208 95 

2,251 00 

21,865 00 



Gross cash income, $409,856 61 



Expenditures. 

Cash paid for fire losses, .... $271,894 60 
Deduct salvage and reinsurance, . . 14,848 89 

Net cash paid for fire losses, . . . 

Cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for rent and incidentals, 

Gross cash expenditures, .... 



$257,045 71 
10,873 13 
16,949 25 
88,111 90 
21,539 24 
6,643 26 
26,370 24 

$427,532 73 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

$41,239,303 00 $363,127 67 
37,021,248 00 436,938 39 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



$78,260,551 00 $800,066 06 
35,360,387 00 387,616 31 



$42,900,164 00 $412,449 75 
2,376,156 00 26,510 01 



Net amount in force, 



$40,524,008 00 $385,939 74 



1883.] INS. COS. OF OTHER STATES. 



189 



Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . . , 
Deduct amount reinsured, . 

Net amount in force, 



. $1,482,054 00 
. 7,719,828 00 


Premiums. 

$13,996 76 
12,502 33 


. $9,201,882 00 
. 8,880,832 00 


$26,499 09 
18,199 47 


. $321,050 00 
3,500 00 


$8,299 62 
62 50 


. $317,550 00 


$8,237 12 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (8£ per cent.), . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



^5,405,244 76 

3,107,389 26 

873,000 00 

17,000 00 

256,561 29 

10,873 13 

82,250 00 



COMMERCIAL MUTUAL INSURANCE COMPANY, NEW YORK. 

[Incorporated April 12, 1842. Commenced business May, 1852.] 

W. I. Comes, President. Henry D. King, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $291,000 00 $314,105 00 

American Exchange Bank Stock, . . 20,000 00 25,600 00 

Market National Bank stock, . . . 2,500 00 3,500 00 

Corn Exchange Bank stock, . . . . 4,000 00 6,400 00 

National Park Bank stock, . . . 10,000 00 16,500 00 

National Bank of State of New York stock, 1,600 00 1,968 00 

Bank of New York N. B. A. stock, . . 3,700 00 5,920 00 

Gallatin National Bank stock, . . . 3,300 00 5,445 00 

Continental National Bank stock, . . 5,000 00 6,050 00 

Merchants' National Bank stock, . . 6,200 00 8,060 00 

•St. Nicholas National Bank stock, . . 7,500 00 9,750 00 

National Bank of Commerce stock, . . 5,400 00 8,154 00 

Bank of America stock, .... 1,80000 2,80800 

Nassau Bank stock, 2,500 00 3,250 00 

Bank of North America stock, . . . 4,690 00 4,783 80 

Metropolitan National Bank stock, . . 5,600 00 8,232 00 

Newark city bonds, . . . 13,000 00 15,300 00 



190 FIRE, MARINE, AND FIRE-MARINE [Dec.3L 



Louisville city bonds, .... 
Erie Railway bonds, . . 
Del., Lackawanna, and Western R.R. bonds 
Morris and Essex Railroad bonds, 
Warren Railroad bonds, 
Delaware and Hudson Canal Co. bonds, 
Detroit, Grand Haven, and Mil. R.R. bonds 
Coast Wrecking Company stock, 
Atlantic Mutual Insurance Company scrip 
N. Y., Lacka. and Western R. R. bonds, 
Union Mutual Insurance Company's scrip 
Central Railroad Co. of New Jersey bonds 



Par value. 

$15,000 00 

20,000 00 

5,000 00 

. 35,000 00 

9,000 00 

15,000 00 

900 00 

4,500 00 

15,110 00 

10,000 00 

282 24 

24,000 00 

$541,582 24 



Market value. 

$16,350 00 

19,700 00 

6,350 00 

40,900 00 

10,800 00 

18,300 00 

990 00- 

450 00 

15,941 05 

11,800 00 

141 12 

27,120 00 



14,667 97 



Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

50 shares Fulton National Bank, . . . $1,800 00 $1,000 00 

Canada Southern Railroad bonds, . . 1,900 00 1,500 00 



Summary of Assets, Dec. 

Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule 
Cash deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Due for reinsurance, . 
Salvage on losses paid, 

Gross assets, 



$3,700 00 $2,500 00 

31, 1883. 

$614,667 97 

2,500 00 

34,613 28 

3,416 70 

12,372 04 

51,327 40 

292 31 

6,566 30 

$728,756 00 



Liabilities. 

Losses claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
Due and accrued for rent, salaries, etc., 
Return premiums, , 

Miscellaneous, , 

Gross liabilities, except scrip, 



$22,595 00 

13,000 00 

76,159 21 

5,884 20 

8,442 61 

500 00 

2,402 09 

2,302 91 



Surplus as regards policy-holders, 
Scrip outstanding, not ordered to be redeemed, . 

Surplus over scrip, ..... 



131,286 02 

$597,469 98 
543,750 00 

$53,719 98 



1883.] INS. COS. OF OTHER STATES. 



191 



Income. 

Cash rec'd for marine and inland premiums, $339,255 94 
Deduct reinsurance and return premiums, . 126,683 28 

Net cash rec'd for marine and inland prem's, $212,572 66 

Interest and dividends received from all sources, . . 29,801 52 

Gross cash income, $242,374 18 



Expenditures. 

Cash paid for marine and inland losses, . $168,774 93 
Deduct salvage and reinsurance, . . 41,489 18 

Net cash paid for marine and inland losses, 

Cash paid for redemption of scrip, 

Interest paid scrip-holders, . ... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, . . . . . 

Gross cash expenditures, ... 



$127,285 75 
589 00 
33,302 34 
12,568 78 
21,435 00 
5,948 92 
11,866 41 

$212,996 20 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1882, 
written during 1883, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



. $9,022,801 00 
. 23,927,653 00 

.$32,950,454 00 
. 28,288,500 00 

. $4,661,954 00 
104,890 00 



Premiums. 

$74,703 78 
325,247 25 

5399,951 03 
321,787 94 

$78,163 09 
2,003 88 



. $4,557,064 00 $76,159 21 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 



$13,663,103 13 
. 8,107,200 07 



192 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



CONNECTICUT FIRE INSURANCE COMPANY, HARTFORD, 

CONN. 

[Incorporated June, 1850. Commenced business July, 1850.] 

Paid-up Capital, $1,000,000. 

J. D. Browne, President. Charles R. Burt, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
State of Connecticut bonds, 
City of Hartford bonds, 
City of New Britain bonds, . 
City of Middletown, 7's, bonds, 
City of Middletown, 6's, bonds, 
City of Toledo, Ohio, bonds, 
City of Erie, Perm., bonds, . 
Cass County, Dakota, bonds, 
Michigan Central R. R. Company bonds, 
Canada Southern R. R. Company bonds, 
Quincy, Alton and St. Louis R. R. Co. bonds 
N. Y., N. H. and H. R. R.R. Co. bonds, 
Tiffin, Ohio, Gas Company bonds, 
Erie Railroad gold consols, 
Broadway and Seventh Ave. R.R. Co. bonds 
Dayton and Michigan R. R. Co. bonds, 
Chicago, Burl, and Quincy R. R. Co. bonds 
Det., Lansing and Northern R. R bonds, 
Pittsburg, Ft. W. and Chicago R. R. bonds 
627 shares Chic, Burl, and Quincy R.R. Co 
100 " Chic, Iowa and Neb. R. R. Co 
600 " N. Y., N. H. and H. R. R.R. Co 
300 " Pittsburg, F. W. and C. R. R. Co 
110 " Boston and Albany R. R. Co., 
200 " N. Y. C. and Hud. Riv. R. R. Co. 
200 " Det., Lan. and Northern R. R., 
100 " Chicago, R. I. and Pacific R. R. 
310 " Importers' and Traders' N'l B n k 
230 " Fulton National Bank, 
188 " Farmers' and Mechanics' N. B'k 
412 " National Exchange Bank, 
300 " Hartford National Bank, 
185 " First National Bank, . 
100 " iEtna National Bank 
150 " Phosnix National Bank, 
93 " Charter Oak National Bank, 



Par value. 

$120,000 00 
11,000 00 
15,000 00 
15,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
13,000 00 
20,000 00 
50,000 00 
49,000 00 
40,000 00 
14,000 00 
20,000 00 
20,000 00 
25,000 00 
7,000 00 
2,000 00 
9,000 00 
62,700 00 
10,000 00 
60,000 00 
30,000 00 
11,000 00 
20,000 00 
20,000 00 
10,000 00 
31,000 00 
6,900 00 
18,800 00 
20,600 00 
30,000 00 
18,500 00 
10,000 00 
15,000 00 
9,300 00 



Market value. 

$148,500 00 
11,000 00 
15,750 00 
15,750 00 
10,600 00 
10,000 00 
10,500 00 
10,300 00 
13,000 00 
24,800 00 
49,000 00 
46,550 00 
50,800 00 
14,000 00 
25,600 00 
20,000 00 
25,000 00 
6,020 00 
2,040 00 
9,000 00 
75,867 00 
16,000 00 
106,200 00 
40,200 00 
19,360 00 
22,600 00 
22,600 00 
11,800 00 
83,700 00 
8,625 00 
23,782 00 
30,900 00 
52,500 00 
21,275 00 
12,700 00 
25,950 00 
13,485 00 



1883.] 



INS. COS. OF OTHER STATES. 



193 



100 shares Mercantile National Bank, 
45 " Conn. T. and S. Deposit Co., 

100 " First Nat'l Bank, Minneapolis, . 
22 " Second Nat'l Bank, New Haven, 



Par value. 

^10,000 00 
4,500 00 

10,000 00 
2,200 00 



Market value. 

$12,500 00 

5,220 00 

13,000 00 

3,564 00 



$880,500 00 $1,140,038 00 



Securities held as collateral for cash loans : — 



N. Y., N. H. and H. R. R.R. Co. stock, 

Willimantic Linen Co., 

Michigan Central R. R. stock, 

Union Stock Yard and Transit Co. stock, 

Collins Company stock, 

American Hosiery Co. stock, 

Stanley Rule and Level Co. stock, 



Market value. Loaned thereon. 

$1,770 00 $1,200 00 

5,400 00 

9,000 00 
10,500 00 

2,250 00 



14,625 00 
7,975 00 



14,000 00 
8,050 00 
4,200 00 



$51,520 00 $27,450 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $38,685 00 

Loans on mortg'e of real estate (first liens*), 418,850 00 

Stocks, bonds, etc., as per schedule, . . 1,140,038 00 

Loans on collateral security, as per schedule, 27,450 00 

Cash in the office of the company, . . 516 39 

Cash deposited in bank, .... 144,981 92 

Premiums in course of collection (net), . 67,207 89 

Gross assets, ■■- 

Deduct special deposits in other States, 



Balance, 



$1,837,729 20 
148,500 00 

$1,689,229 20 



Liabilities. 

Losses claimed and reported, . . . $16,625 00 

disputed'or resisted, . . . 3,612 00 

Unearned premiums on outstanding risks, . 485,074 32 

Gross liabilities, except capital, . . $555,311 32 

Deduct liabilities on special deposits, . . 42,651 00 



Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, 



512,660 32 

. $1,176,568 88 
. 1,000,000 00 

. $176,568 88 



* Value of lands raorgaged $563,500 00 

Value of buildings thereon, .... 602,30000 
Amount of insurance held as collateral, . . 441,825 00 



194 FIRE, MARINE, AND FIRE-MARINE [Dec. 31. 



Income. 

Cash received for fire premiums, . . $928,220 50 

Deduct reinsurance and return premiums, . 138,578 10 

Net cash received for fire premiums, . . $789,642 40 

Interest received on bonds and mortgages, . . . 18,168 80 

Interest and dividends received from all other sources, . 66,729 87 

Gross cash income, . . . . ■ . . . $874,541 07 



Expenditures. 

Cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees 

for State and local taxes, . 

for incidentals, .... 

Gross cash expenditures, 



$176,631 57 

100,000 00 

123,239 97 

47,802 64 

17,113 63 

53,922 00 



$818,709 81 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1882, . .$72,291,68100 $809,73 L 32 
written during 1883, . . . 83,737,730 00 928,220 50 



Total, ...... $156,029,411 00 $1,737,951 82 

Deduct risks expired and terminated, . . 76,031,614 00 813,420 84 



In force at end of year, 



$79,997,797 00 $924,530 98 



Miscellaneous. 

Premiums received from reorganization of company, $5,389,517 97 

Losses paid from reorganization of company, . . . 2,828,893 54 

Cash, dividends declared from reorganization of company, 1,015,000 00 

Dividends declared during the year (10 per cent.), . . 100,000 00 

Fire losses incurred during the year, . . . . . 483,959 38 

Company's stock owned by directors, 98,200 00 



: 



1883.] INS. COS. OF OTHER STATES. 



195 



CONTINENTAL INSURANCE COMPANY, NEW YORK. 

[Incorporated November, 1852. Commenced business January, 1853.] 

Paid-up Capital, $1,000,000. 

George T. Hope, President. Cyrus Peck, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



250 shares American Exch. Nat'l Bank, 
69 " Bank of America, 
50 " Bowery National Bank, . 
1200 " Mechanics' National Bank, 
250 " Mercantile National Bank, 
350 " Merchants 1 National Bank, 
200 " Metropolitan National Bank, 
100 " Nassau National Bank, 
700 " Phenix National Bank, . 
180 " St. Nicholas National Bank, 
200 " Central Trust Co , . 

3 " N. Y. Guaranty and Ind. Co., 
1500 " N. Y. and Harlem R.R. Co., 
Cedar Rapids, Io. F. and N.W. R.R. Co. b'ds 
Central R.R. and B'k'g Co. of Ga. bonds, 
Chicago and N.- Western Railroad bonds, 
Chicago, Mil. and St. Paul Railroad bonds, 
Chicago, St P'l, Minn, and Omaha R.R. b'ds 
Columbia and Greenville Railroad bonds, 
Erie Railroad Company bonds, . 
N. Y., L. E. and Western Railroad bonds, 
Ind , Bloomington and W'n R. R. bonds, 
Indianapolis and St. Louis R.R. bonds, 
Mil., L S. and Western Railroad bonds, 
Morris and Essex Railroad bonds, 
N. Y., Lacka., and Western Railroad bonds, 
St. P'l, Minn, and Manitoba Railroad bonds, 

Alabama State bonds, 

South Carolina State bonds, 
Tennessee State bonds, . 
United States bonds, . 



Par value. 

$25,000 00 

6,900 00 

5,000 00 

30,000 00 

25,000 00 

17,500 00 

20,000 00 

5,000 00 

14,000 00 

18,000 00 

20,000 00 

300 00 

75,000 00 

50,000 00 

50,000 00 

50,000 00 

50,000 00 

100,000 00 
50,000 00 
50,000 00 
50,000 00 

125,000 00 
30,000 00 
50,000 00 
50,000 00 

100,000 00 

100,000 00 
10,000 00 
12,000 00 
26,000 00 

,000,000 00 



Market value. 

$31,750 00 

10,350 00 

7,500 00 

45,000 00 

29,500 00 

22,225 00 

29,800 00 

6,500 00 

14,420 00 

24,300 00 

50,000 00 

300 00 

142,500 00 
52,500 00 
55,000 00 
55,000 00 
55,000 00 

108,000 00 
48,500 00 
63,500 00 
52,500 00 

145,000 00 
33,600 00 
50,000 00 
61,500 00 

118,000 00 

108,000 00 

8,000 00 

12,000 00 

9,880 00 

1,301,770 00 



$2,214,700 00 $2,751,895 00 



Securities held as collateral for cash loans : — 

Market value. 

30 shares Mechanics' Bank, . . . $3,000 00 

1246 " Oregon Railway and Nav. Co., 118,370 00 

200 •" Northern Pacific Railroad, . 10,400 00 



Loaned thereon. 

$1,200 00 
I 100,000 00 



196 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



22 shares Fidelity and Casualty Co., 
300 " St. Paul, Minn, and Man. R.R , 
St. Paul, Minn, and Man. R.R. bonds, . 
Mil , L. S. and Western Railway bonds, 
Oregon Railway and Navigation Co. bonds 

150 shares Brooklyn City Railroad, . 
200 " Western Union Telegraph Co., 
100 " Chicago and Alton Railroad, 
150 " Boston and N. Y. Air Line R.R , 
300 " Chic.,St.Fl,Minn.andOm.R.R. 
90 " L. S. and Michigan So. R.R., 
50 " Chic, Burl, and Quincy R.R., 
275 " Chic, R. I. and Pacific R.R., 
100 " St. Paul, Minn, and Man. R.R , 
200 " L. S., and Michigan So. R. R , 
300 " Chic and N.-Western R.R., 
Tripartite b'ds Cent'l R.R. and B'k'g Co., Ga 
10 shares American Exch. National Bank, 
Col., Hocking Valley and Toledo R.R., 
1200 shares Canadian Pacific Railroad, 
Chesapeake and Ohio Railroad, . 



Summary of Assets, Dec 
Cash value of unencumbered real estate, . 
Loans on mort'ge of real estate (first liensf), 
Interest due or accrued thereon, . 
Stocks, bonds, etc, as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, 

Gross assets,^ 
Deduct special deposits in other States, 



Balance, 



Market value. 

$2,640 00 

28,500 00 

46,010 00 

9,000 00 

1,040 00 

3,150 00 

14,800 00 

13,300 00 

12,000 00 

28,500 00 

8,820 00 

6,000 00 

32,450 00 

9,500 00 

19,600 00 

42,900 00 

. 6,600 00 

1,270 00 

61,600 00 

66.000 00 

24,700 00 



Loaned thereon. 

$2,000 00 

1 

y 70,000 00 



1,400 00 



y 100,000 00 



50,000 00 

4,500 00 

900 00 

50,000 00 

50,000 00 

20,000 00 



$570,180 00 $450,000 00 

31, 1883.* 

$659,450 00 

324,100 00 

8,582 23 

2,751,895 00 

450,000 00 

9,123 11 

213,859 49 

51,388 41 

366,438 17 

26,205 60 

6,900 00 

. $4,867,942 01 

33,000 00 



$4,834,942 01 



* The company holds, also, instalment premium notes to the amount of $1,303,548.34 
which do not enter into nor form any part of the assets of the company, as no portion of 
them is earned. Whatever value is attached to them would necessarily be counterbalanced 
by the addition of an exactly equal amount to the reinsurance liability, the entire sum con- 
sisting of " unearned premiums." 

f Value of lands mortgaged, .... $354,600 00 

Value of buildings thereon 396,600 00 

Amount of insurance held as collateral, . . 301,875 00 
J Including $600,000 Special Reserve Fund held under New York law. 



1883.] INS. COS. OF OTHER STATES. , 197 



Liabilities 

Losses claimed and reported, . . . $343,717 91 

disputed or resisted, .... 32,900 00 

Total amount of losses, .... $376,61791 

Less reinsurance, 33,486 87 

Net amount of unpaid losses, . . . $343,131 04 

Unearned premiums on outstanding risks, . 1,775,820 69 

Unpaid scrip ordered to be redeemed, . 29,952 00 

Interest due or accrued on scrip, . . 6,601 20 

Dividends to stockholders unpaid, . . 639 80 

Commissions and brokerage, . . . 50,000 00 

Gross liabilities, except capit'l and scrip, $2,206,144 73 

Deduct liability on special deposit, . . 20,620 53 



$2,185,524 20 



Surplus as regards policy-holders, 

Paid-up capital, 

Scrip outstand'g not ordered to be redeemed, 



. $2,649,417 81 



$1,000,000 00 
44,015 00 



1,044,015 00 



Surplus over capital and scrip, . 



. $1,605,402 81 



Income. 

Cash received for fire premiums, 
Deduct reinsurance and return premiums, . 
Net cash received for fire premiums, . 
Cash rec'd for marine and inland premiums, 
Deduct reinsurance and return premiums, . 

Net cash rec'd for marine and inPd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Gross cash income, ...... 



$2,575,532 81 
445,847 65 

$2,129,685 16 

$564,578 19 
92,518 49 

472,059 70 

21,744 08 

154,999 74 

49,553 93 

$2,828,042 61 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses 

Cash dividends paid, .... 

Cash paid for redemption of scrip, 



1,299,373 95 
129,104 00 

$336,325 76 
31,792 99 



,170,269 95 



304,532 77 

149,948 40 

9,955 00 



198 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest paid scrip-holders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for incidentals, . 

Gross cash expenditures, . . . 



$27 96 

479,233 37 

254,886 22 

63,638 84 

181,263 22 

. $2,613,755 73 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$351,568,202 00 
. 380,112,308 00 



$731,680,510 00 
.325,165,425 00 



1406,515,085 00 
. 20,589,605 00 



Premiums. 

$2,828,845 61 
2,730,081 57 

$5,558,927 18 
2,094,689 79 

$3,464,237 39 
214,967 12 



$385,925,480 00 $3,249,270 27 



Inland risks outstanding Dec. 31, 1882, . $2,359,543 00 
written during 1883, . . 224,855,637 00 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$227,215,180 00 

.219,631,999 00 

. $7,583,181 00 

149,750 00 



$52,733 50 
621,523 08 

£674,256 58 
618,673 51 

$55,583 07 
4,217 32 



',433,431 00 $51,365 75 



Miscellaneous. 

Premiums received from organization of company, . 

Losses paid from organization of company, 

Cash dividends declared from organization of company, 

Dividends declared during the year, . 

Fire losses incurred during the year, .... 

Marine and inland losses incurred during the year, . 

Company's stock owned by directors, 



$29,074,507 77 : 

15,482.262 81 

3,729,747 36 

150,500 00 

1,226,038 71 

309,028 55 

214,500 00 






1883.] INS. COS. OF OTHER STATES. 



199 



DELAWARE MUTUAL SAFETY INSURANCE COMPANY, PHILA- 
DELPHIA, PA. 

[Incorporated April 10, 1835. Commenced business Aug. 6, 1835.] 

Paid-up Capital, $360,000. 

Thomas C. Hand, President. Henry Lylburn, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

$237,400 00 $280,132 00 

100,000 00 129,500 00 

229,000 00 274,800 00 

100,000 00 124,000 00 

100,000 00 114,500 00 

50,000 00 58,000 00 

25,000 00 27,000 00 

36,500 00 14,235 00 

40,000 00 41,600 00 

25,000 00 25,000 00 

25,000 00 29,250 00 

1,600 00 1,648 00 

200 00 130 00 

290 00 1 

300 00 I 



Pennsylvania state bonds, 
Philadelphia city bonds, 
New Jersey state bonds, 
Boston city bonds, 
St. Louis city bonds, . 
Cincinnati city bonds, . 
Columbus, O., city bonds, 
Tennessee state bonds, 
American S. S. Company bonds, 
Wm. Cramp & Sons bonds, 
Pennsylvania R. R. Co. stock, 
Continental Hotel Co. stock, 
Philadelphia Exchange Co. stock 
Atlantic Mut. Ins Co. scrip, 
Boylston Mut Ins. Co. scrip, 
Commercial Mut. Ins. Co. scrip, 
China Mut. Ins. Co. scrip, . 
New York Mut. Ins. Co. scrip, 



320 00 \ 1,246 00 
850 00 | 
20 00 J 



$971,480 00 $1,121,041 00 



Securities held as collateral for cash loans : — 

Market value. 

226 shares PennS} T lvania R. R., . . . $13,22100 

Buffalo, N. Y. and Phila. R. R. bonds, . . 32,800 00 

Phila. and Reading R. R. bonds, . . . 59,220 00 

Susquehanna Car Trust Co. bonds, . . 30,000 00 

Railroad Equipment bonds, .... 5,000 00 



Loaned thereon. 

$11,000 00 
25,000 00 
50,000 00 

25,000 00 



.40,241 00 $111,000 00 



Summary of Assets, Oct. 31, 1883. 
Cash value of unencumbered real estate, . $147,000 00 
Loans on mortfge of real estate (first liens*), 159,200 00 
Interest due or accrued thereon, . . 1,661 80 



* Value of lands mortgaged, .... $117,000 00 

Value of buildings thereon 147,500 00 

Amount of insurance held as collateral, . . 122,000 00 



200 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Stocks, bonds, etc., as per schedule, . . $1,121,041 00 

Loans on collateral security, as per schedule, 111,000 00 

Cash in the office of the company, . . 708 70 

Cash deposited in bank, .... 152,806 09 

Interest due and accrued, .... 1,198 61 

Premiums in course of collection (gross), . 114,753 69 

Notes taken for marine and inland risks, . 136,719 16 

Gross assets, $1,916,089 05 

Liabilities. 

Losses adjusted, unpaid, .... $6,527 00 

claimed and reported, . . . 59,867 00 

disputed or resisted, . . . 6,000 00 

Unearned premiums on outstanding risks, . 227,676 20 

Reclaimable or perpetual fire policies, . 77,619 91 

Unpaid scrip ordered to be redeemed, . 8,615 00 

Dividends to stockholders unpaid, . . 6,443 00 

State and local taxes, 1,800 00 

Gross liabilities, except capital and scrip, 394,548 1 1 



Surplus as regards policy-holders, .... $1,551,540 94 

Paid-up capital $360,000 00 

Scrip outstand'g, not ordered to be redeemed, 786,805 00 



1,146,805 00 



Surplus over capital and scrip, $104,735 94 

Income. 

Cash received for fire premiums, . . $102,051 06 
Deduct reinsurance and return premiums, . 5,267 00 

Net cash received for fire premiums, . . — $ 96,784 06 

Cash rec'd for marine and inland premiums, $490,939 48 
Deduct reinsurance and return premiums, . 73,759 08 

Net cash rec'd for marine and inl'd prem's, 417,180 40 

Interest received on bonds and mortgages, . . . 8,211 52 

Interest and dividends received from all other sources, . 65,932 43 
Income from rents, ...... . 2,184 29 

Deposits received for perpetual fire risks, . $1,095 35 



Gross cash income, $590,292 70 

Expenditures 



Cash paid for fire losses, 

Cash paid lor marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses 

Cash dividends paid, .... 

Cash paid for redemption of scrip, 



$249,803 43 
42,755 77 



$70,371 37 



207,047 66 

36,000 00 

166,820 00 






1883.] INS. COS. OF OTHER STATES. 



201 



Interest paid scrip-holders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Deposits returned on perpetual fire risks, . $1,607 75 

Gross cash expenditures, 

Risks and Premiums. 



Fire risks outstanding Oct. 31, 1882, , 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



.$16,232,448 00 
. 13,006,744 00 



.f29,239,192 00 
. 13,951,875 00 



$49,104 40 

28,750 68 

44,893 28 

13,887 76 

8,949 22 



$625,824 37 



Premiums. 

$130,951 69 
102,505 81 

$233,457 50 
109,119 65 



.$15,287,317 00 $124,337 85 



Perpetual risks in force, not included above, $3,159,062 00 

Marine risks outstanding Oct. 31, 1882, . $15,114,536 00 
written during 1883, . . 59,354,712 00 



Total 

Deduct risks expired and terminated, 

In force at end of year, 



.$74,469,248 00 
. 58,202,667 00 



.$16,266,581 00 

Miscellaneous. 

Dividends declared during the year (10 per cent.), . 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, . 
Company's stock owned by directors, . 



[,705 17 

$171,023 62 

481,470 72 

$652,494 34 
487,096 68 

$165,397 66 



$36,000 00 
66,540 20 

231,496 25 
42,550 00 



ENTERPRISE FIRE AND MARINE INSURANCE COMPANY, 

CINCINNATI, OHIO. 

[Incorporated December, 1866. Commenced business December, 1866.] 

Paid-up Capital, $200,000. 

John W. Hartwell, President. J. W. McCord. Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value 

United States bonds, . $25,000 00 $30,875 00 

Cincinnati Southern Railroad bonds, . . 21,000 00 25,100 00 

Cincinnati, Ham. and Dayton R. R. bonds, . 12,000 00 12,240 00 

Little Miami Railroad bonds, . . . 5,000 00 5,350 00 



$63,000 00 $73,565 00 



202 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

691 shares Atch., Topeka and S. Fe R.R., . $54,589 00 $25,000 00 

Kentucky Central Railroad bonds, . . 16,000 00 16,250 00 



$70,589 00 $41,250 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $80,000 00 

Loans on mort'ge of real estate (first liens*), 26,993 76 

Interest due or accrued thereon, . . . 797 80 

Stocks, bonds, etc., as per schedule, . . 73,565 00 

Loans on collateral security, as per schedule, 41,250 00 

Cash in the office of the company, . . 1,477 35 

deposited in bank, .... 12,483 36 

Interest due and accrued, .... 1,730 29 

Premiums in course of collection (gross), . 11,292 16 

Notes taken for marine and inland risks, . 7,325 69 

Rents due and accrued, .... 928 99 

Gross assets, 






$257,844 40 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

i 

Total amount of losses, 

Less reinsurance, 

» 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Dividends to stockholders unpaid, 

Commissions and brokerage, 

Return premiums, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$2,883 33 
8,000 00 

$10,883 33 
1,000 00 

$9,883 33 

36,238 37 

14 40 

323 60 

141 35 



Surplus over capital, 



46,601 05 

m 1,243 35 
200,000 00 

$11,243 35 



Income. 
Cash received for fire premiums, 
Deduct reinsurance and return premiums, 
Net cash received for fire premiums, . 



$54,228 87 
6,069 55 



$48,159 32 



* Value of lands mortgaged $51,000 00 

Value of buildings thereon, .... 24,00000 

Amount of insurance held as collateral, . 6,000 00 



1883.] INS. COS. OF OTHER STATES. 



203 



( 'ash recM for marine and inland premiums, 022,616 38 
Deduct reinsurance and return premiums, . 1,598 04 

Net cash rec'd for marine and inl'd prem's, $21,018 34 

Interest received on bonds and mortgages, . . . 5,773 00 

Interest and dividends received from all other sources, . 425 95 

Income from rents, 11,463 25 

Gross cash income, §86,839 86 



Expenditures. 

Cash paid for fire losses, .... $50,885 73 
Deduct salvage and reinsurance, . . 324 68 

Net cash paid for fire losses, . . . $50,561 05 

Cash paid for marine and inland losses, . $6,063 32 

Deduct salvage and reinsurance, . . 208 98 

Net cash paid for marine and inland losses, 5,854 34 

Cash dividends paid, 19 20 

Cash paid for commissions and brokerage, . . . 7,763 05 

for salaries of officers and employees, . . 10,366 60 

State and local taxes, . . . . . . 3,315 93 

incidentals, 7,270 13 

ground rent, 7,000 00 

Gross cash expenditures, §92,150 30 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 

Total, . . . . . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 



56,393,964 00 
4,331,900 00 



$10,725,864 00 
5,642,408 00 



$5,083,456 00 
154,205 00 



$211,250 00 
1,532,891 00 



11,744,141 00 
1,588,541 00 



$ 155,600 00 
3,500 00 



Premiums. 

$77,088 25 
51,589 73 

f 128,677 98 
66,289 17 

$62,388 81 
1,951 03 



$4,929,251 00 $60,437 78 



$17,180 50 
20,548 60 

$37,729 10 
25,050 10 

$12,679 00 
350 00 



Net amount in force, 



$152,100 00 $12,329 00 



204 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



14,151,713 04 

2,758,548 90 

274,000 00 

43,077 76 

6,088 57 

102,100 00 



EQUITABLE FIRE AND MARINE INSURANCE COMPANY, 

PROVIDENCE, R. I. 

[Incorporated May, 1859. Commenced business September, I860.] 

Paid-up Capital, $300,000. 

Fred. W. Arnold, President. James E, Tillinghast, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



500 shares Old National Bank, Providence 
200 " N'l B'k of Com'ce, Providence, 
200 " American Nat'l B'k, Providence 
30 " Third Nat'l Bank, Providence, 
100 " Fourth Nat'l Bank, Providence, 
100 " First National Bank, Warren, 
United States bonds, .... 
Union Pacific Railroad bonds, 
New York Elevated Railroad bonds, . 
Pawtuxet Valley Railroad bonds, 



Par value. 
$50,000 00 
10,000 00 
10,000 00 
3,000 00 
10,000 00 
10,000 00 
60,000 00 
25,000 00 
25,000 00 
22,000 00 



Market value. 

$57,000 00 
10,400 00 
10,400 00 
3,720 00 
12,400 00 
10,250 00 
71,975 00 
28,500 00 
29,125 00 
27,610 00 



$225,000 00 $261,380 00 



Securities held as collateral for cash loans': — 

Market value. Loaned thereon. 

20 shares Mechanics' Nat'l B'k, Providence, $1,460 00 $900 00 



Summary of Assets, Dec. 31, 1883. 

Cash' value of unencumbered real estate, . $129,900 00 

Loansonmort'geof real estate (first liens*), 75,000 00 

Stocks, bonds, etc., as per schedule, . . 261,380 00 

Loans on collateral security, as per schedule, 900 00 

Cash in the office of the company, . . 1,407 28 



* Value of lands mortgaged, .... $62,900 00 

Value of buildings thereon 112,000 00 

Amount of insurance held as collateral, . . 52,500 00 



1883.] INS. COS. OF OTHER STATES. 



205 



Deposited in bank, $11,961 24 

Premiums in course of collection (gross), . 17,831 22 

Rents clue and accrued, • 1,662 00 

Gross assets,* 

Liabilities. 

Losses adjusted, unpaid, .... $3,281 50 

claimed and reported, . . . 19,395 50 

disputed or resisted, . . . 400 00 

Unearned premiums on outstanding risks, . 123,695 46 

Dividends to stockholders unpaid, . . 329 40 

State and local taxes, ..... 500 00 

Commissions and brokerage, . . . 1,000 00 

Gross liabilities, except capital, . . 

Surplus as regards policy-holders, .... 
Paid-up capital, 

Surplus over capital, 

Income. 

Cash received for fire premiums, . . $247,416 93 
Deduct reinsurance and return premiums, . 32,177 68 

Net cash received for fire premiums, . . 

Cash ree'd for marine and inl'd premiums, $35,318 11 
Deduct reinsurance and return premiums, . 13,309 89 

Net cash ree'd for marine and inland prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, . . 



$500,041 74 



Gross cash income, .... 

Expenditures 
Cash paid for fire losses, .... 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, 
Cash paid for marine and inland losses, 
Deduct salvage and reinsurance, 
Net cash paid for marine and inland losses, — 

Cash dividends paid-, 

Cash paid for commissions and brokerage,, 
for salaries and incidentals, 
for State and local taxes, . 
expense and insurance on real estate, 

Gross cash expenditures, . . . . 



$152,459 01 

2,131 43 

t $24,398 11 

' 11,119 04 



148,601 86 

$351,439 88 

300,000 00 

$51,439 88 



$215,239 25 



22,008 22 
3,200 00 

12,622 10 
8,715 01 

$261,784 58 



$150,327 58 



13,279 07 

9,209 30 

43,596 46 

30,500 71 

8,083 66 

3,220 11 

$258,216 89 



* Including $25,000 Special Reserve Fund held under Rhode Island law. 



206 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

$17,962,907 00 $207,218 48 
21,735,373 00 246,016 88 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



,698,280 00 $453,235 36 
19,622,220 00 214,664 07 



$20,076,060 00 $238,571 29 
324,093 00 4,799 95 



,751,967 00 $233,771 34 



$248,486 00 
4,482,493 00 

K',780,979 00 
4,329,095 CO 

$401,884 00 
130,638 00 

$271,246 00 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (3 per cent.) , 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$2,813 93 
36,377 94 

p39,191 87 
33,507 09 

$5,684 78 
2,027 13 

$3,657 65 



52,307,917 54 

1.632,408 38 

353,000 00 

9,000 00 

145,409 58 

16,391 70 

69,760 00 



EXCHANGE FIRE INSURANCE COMPANY, NEW YORK. 

[Incorporated April 9, 1853. Commenced business May, 1853.] 

Paid-up Capital, $200,010. 

Richard C. Combes, President. Geo. W. Montgomery, Secretary. 

Detailed Statement op Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, .... 



Securities held as collateral for cash loans 



Citizens' Bank, .... 
Oriental Bank, .... 
Rutgers Fire Insurance Company, 
Home Insurance Company, . 
New York Equitable Fire Ins. Co., 
Marine Bank, .... 



$150,000 00 |155,250 00 



Market value. Loaned thereon. 

$1,800 00 ^ 



700 00 
2,400 00 
4,350 00 
1,875 00 J 
2,080 00 



',500 00 



1,500 00 



1883.] INS. COS. OF OTHER STATES. 



207 



Long Island R. R. Co. first mortgage bonds, 

Citizens' Insurance Company, 

North River Insurance Company, 

Home Insurance Company, . 

Long Island Insurance Company, 

Mechanics 1 and Traders 1 Fire Ins Co 

Sterling Fire Insurance Company, 

Wall Street Bank, 

Wall Street Bank, 

Mechanics 1 Fire Insurance Company, 

American Exchange Fire Ins. Co., 

Firemen^ Trust Fire Ins. Co., 

Union Pacific first mortgage bonds, 

Central Pacific first mortgage bonds, 

Wall Street Bank, 

Bank of Commerce, 

Hanover Fire Insurance Company, 

Hanover Fire Insurance Company, 

Stuyvesant Fire Insurance Company, 

Park Fire Insurance Company, . 

Manufacturers 1 and Builders 1 Fire Ins. Co. 

Manhattan Life Insurance Company, 

United States bonds, . 

Licking Valley first mortgage R. R. bonds 

Germania Fire Insurance Company, 

Continental Bank, 

Gallatin National Bank, 

Chicago, Mil. and St. Paul R. R. bond, 

New York, Lacka, and Western R. R. bond 

Phenix Bank, 

Long Dock bond, , 

Housatonic R. R. Company (preferred), 



Market value. 

$6,000 00 

3,000 00 

1,944 00 

2,610 00 

1,767 00 

565 00 

4,080 00 

8,400 00 

1,302 00 

700 00 

565 00 

160 00 

2,350 00 

1,140 00 

10,032 00 

750 00 

1,370 00 

3,425 00 

880 00 

3,336 00 

1,050 00 

3,750 00 

2,728 00 

1,000 00 

590 00 

840 00 

880 00 

1,080 00 

3,600 00 



Loaned thereon. 



j» $10,000 00 



J 



J 



,279 00 



2,800 00 
7,000 00 



1 
i 

j, 2,000 00 

J 
1 



11,700 00 
700 00 



) 

j> 5,000 00 



2,200 00 
3,050 00 

300 00 
500 00 

4,500 00 



700 


00 




600 


00 


1,180 
1,300 


00 
00 


} 


1,500 


00 



,850 00 



Summary of Assets, Dec. 31, 1883. 

Loans on mortfge of real estate (first liens*), $102,300 00 

Interest due or accrued thereon, . . . 2,455 00 

Bonds, as per schedule, .... 155,250 00 

Loans on collateral security, as per schedule, 60,850 00 

Cash in the ofiice of the company, . . 5,809 61 

Cash deposited in bank, .... 16,275 06 

Interest due and accrued, . 1,171 80 

Premiums in course of collection (net), . 14,411 01 

Gross assets, $358,522 48 



* Value of lands mortgaged $119,000 00 

Value of buildings thereon, .... 110,000 00 
Amount of insurance held as collateral, . 99,900 00 



208 FIRE, MARINE, AND FIRE-MARINE [Dec. 31 ; 



Liabilities. 

Losses claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, . 
Dividends to stockholders unpaid, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, . . . . * 

Surplus over capital, .... 



$20,150 00 

1,500 00 

63,132 56 

529 00 



55,311 56 



£273,210 92 
200,010 00 

$73,200 92 



Income. 

Cash received for fire premiums, . . . $162,291 34 
Deduct reinsurance and return premiums, . 13,708 72 

Net cash received for fire premiums, . . $148,582 62 

Cash recYl for marine and inland premiums, . . . 8,333 30 

Interest received on bonds and mortgages, . . . 6,009 18 

Interest and dividends received from all other sources, . 6,865 14 

Income from rents, . . 562 50 

Gross cash income, $170,352 74 



Expenditures. 

Cash paid for fire losses, . . , , | 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, . - 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



,440 56 

482 95 



$80,957 61 
7,113 72 
14,000 70 
28,220 39 
17,578 60 
4,459 26 
11,340 22 



3,670 50 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of 3 r ear, 
Deduct amount reinsured, . 



Premiums. 

5,133,833 00 $108,195 81 
. 19,353,115 00 159,982 82 



$35,486,948 00 $268,178 63 
18,286,518 00 141,062 21 



.$17,200,430 00 $127,116 42 
323,650 00 1,844 06 



Net amount in force, 



,876,780 00 $125,272 36 



1883.] INS. COS. OF OTHER STATES. 209 

Premiums. 

Inland risks outstanding Dec. 31, 1882, . $112,400 00 $1,967 00 
written during 1883, . . 1,606,232 00 8,712 30 



Total, $1,718,632 00 813,679 30 

Deduct risks expired and terminated, . 1,621,732 00 9,667 20 



In force at end of year, .... $96,90000 $4,01210 



Miscellaneous. 

Premiums received from organization of company, . . $3,016,387 00 

Losses paid from organization of company, . . . 1,838,073 00 

Cash dividends declared from organization of company, . 333,622 25 

Dividends declared during the year (7 per cent.), . . 14,000 70 

Fire losses incurred during the year, 95,050 94 

Marine and inland losses incurred during the year, . . 7,113 72 

Company's stock owned by directors, 107,900 00 



FARRAGUT FIRE INSURANCE COMPANY, NEW YORK. 

[Incorporated Jan. 29, 1872. Commenced business, Jan. 30, 1872.] 

Paid-up Capital, $200,000. 

John M. Furman, President. Samuel Darbee, Secreta ry 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds, $220,000 00 $242,387 50 

Delaware and Hudson Canal Co. stock, . 42,640 00 44,985 20 

N. Y. Central and Hudson Riv. R. R. stock, 20,000 00 22,550 00 

Fourth National Bank stock, . . . 10,000 00 12,800 00 

Long Island L. and T. Co. stock, . . 15,000 00 15,098 OS 



$307,640 00 $337,820 78 
Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

Broadway Railroad Company bonds, . . $3,360 00 $2,600 0J 

Union Pacific Railroad bonds, 
Commercial Fire Insurance Co. stock, 
Bushwick Railroad Company, 

$8,475 00 $6,800 00 



3,540 00 


3,000 00 


1,080 00 


900 00 


495 00 


300 00 



210 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $6,000 00 

Loans on mort'ge of real estate (first liens*), 21,100 00 

Interest due or accrued thereon, . . . 277 08 

Stocks, bonds, as per schedule, . . 337,820 78 

Loans on collateral security, as per schedule, 6,800 00 

Cash in the office of the company, . . 538 88 

Cash deposited in bank, .... 20,281 29 

Interest due and accrued, . . . 499 65 

Premiums in course of collection (gross), . 14,344 08 

Rents due and accrued, . . . 134 67 
Office furniture, etc., . . $4,000 00 
Premiums more than 3 mos. due, 155 93 

Gross assets, ... . 



$407,796 43 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
State and local taxes, .... 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 



$2,338 19 

19,892 00 

2,962 50 

95,013 94 

2,041 66 

900 00 

1,460 83 



124,609 12 



,187 31 
200,000 00 



,187 31 



Income. 

Cash received for fire premiums, . . $181,346 17 
Deduct reinsurance and return premiums, . 15,722 60 

Net cash received for fire premiums, . . $165,623 57 

Interest received on bonds and mortgages, . . . 1,116 56 

Interest and dividends received from all other sources, . 15,635 45 

Income from rents, . . . . ... . . 500 04 

Income from profit and loss account, 5 01 

Gross cash income, $182,880 63 



* Value of lands mortgaged, .... $19,000 00 

Value of buildings thereon 20,500 00 

Amount of insurance held as collateral, . . 19,000 00 



1883.] 



INS. COS. OF OTHER STATES. 



211 



Expenditures. 

Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, . 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

for repairs on real estate, . 

Gross cash expenditures, .... 
Risks and Premiums. 



$94,438 66 
24,000 00 
26,742 45 
22,232 00 
4,023 36 
19,291 35 
140 69 

$190,868 51 



,833,767 00 
1,095,350 00 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 

Total, . . . . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . . ' . 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



Premiums. 

$31,960,896 00 $183,202 95 
30,209,068 00 183,866 76 



^62,169,964 00 $367,069 71 
31,336,197 00 173,392 75 



$193,676 96 
5,531 55 



29,738,417 00 



,145 41 



$1,714,133 60 
679,469 26 
294,000 00 

24,000 00 
105,578 00 

92,650 00 



FIRE ASSOCIATION OF PHILADELPHIA, PHILA., PA. 

[Incorporated March 27, 1820. Commenced business Sept. 1, 1817.] 

Paid-up Capital $500,000. 

Jesse Lightfoot, President. Jacob H. Lex, Secretary. 



Detailed Statement of Stocks, Bonds, etc 

Par value. 

United States bonds, . . . . . $200,000 00 



Pittsburgh city loan, . 
Camden city loan, 
Lehigh Valley Railroad bonds, 
Pennsylvania Railroad bonds, 
Catawissa Railroad bonds, . 
Masonic Temple loan, 



50,000 00 

6,000 00 

132,000 00 

240,000 00 

10,000 00 

20,000 00 



Market value. 

$247,500 00 

51,500 00 

6,780 00 

164,240 00 

270,660 00 

12,200 00 

21,600 00 



212 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



3030 shares Pennsylvania Railroad, . 

70 " Chestnut Hill Railroad, . . 
Philadelphia city loan, 
Lehigh Coal and Navigation Co. bonds, 
Shamokin Val. and Potts'le R.R. Co. bonds 
331 shares Phila., Ger. and Norrist'n R.R., 
Penn. and New York Canal Co. bonds, 
Texas and Pacific Railroad bonds, 
Cincinnati city bonds, .... 
Northern Central Railroad bonds, 
Huntingdon and Broad Top Mt. R.R. bonds 
United States bonds, .... 
Louisville and Nashville Railroad bonds, 
Philadelphia Passenger Railroad bonds, 
Belt R.R. and Stock Yard mort'ge bonds, 
Philadelphia and Erie R.H- bonds, 
Texas and Pacific Railroad bonds, 
Philadelphia and Reading R.R. bonds, 
600 shares Fire Ass'n stock, . $162,000 00 



Par value. 

$151,500 00 

3,500 00 

402,600 00 

100,000 00 

20,000 00 

. 16,550 00 

8,000 00 

13,000 00 

125,000 00 

168,000 00 

15,000 00 

275,000 00 

100,000 00 

50,000 00 

50,000 00 

100,000 00 

50,000 00 

2,800 00 



Market value,, 

$175,361 25 

7,612 50 

523,380 00 

123,500 00 

23,600 00 

35,996 25 

10,000 00 

13,780 00 

163,750 00 

198,240 00 

17,325 00 

315,562 50 

92,000 00 

51,500 00 

52,500 00 

104,000 00 

45,500 00 

2,492 00 



$2,308,950 00 $2,730,579 50 



Securities held as collateral for cash loans : — 



Pittsburgh, Cinn. and St. Louis R.R. bonds, 
100 shares New Jersey Central Railroad, . 
800 " Philadelphia and Reading R.R., 
Philadelphia and Reading Railroad bonds, . 
400 shares Philadelphia and Reading R.R., . 
500 " Lombard and S. W. P. R. W. Co., 
42 " Fire Ass'n stock, . $7,450 00 



Market value. 

$12,100 00 

8,650 00 

23,600 00 

1,800 00 

11,800 00 

16,000 00 



Loaned thereon. 

$3,0u0 00 
I 25,000 00 

)> 20,000 00 



$73,950 00 $48,000 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, 
Loans on mort'ge of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, 



,300 00 

927,110 94 

21,714 21 

2,730,579 50 

48,000 00 

5,130 60 

118,730 60 

39,174 22 



* Value of lands mortgaged, .... $1,601,850 00 
Value of buildings thereon, .... 1,098,650 00 
Amount of insurance held as collateral, . . 791,410 00 



1883.] 



INS. COS. OF OTHER STATES. 



213 



Premiums in course of collection (gross), 

Rents due and accrued, 

Due for reinsurance, .... 

Gross assets, 

Deduct special deposit in other States, 

Balance, 



; 15,762 37 

840 36 

12,883 31 



1,110,226 11 
68,850 00 

1,041,376 11 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, . 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Reclaimable on perpetual fire policies, 

Gross liabilities, except capital, . 
Deduct liabilities on special deposits, . 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 



),973 59 
176,122 52 
11,568 25 

$238,664 36 
38,851 37 

$199,812 99 

998,465 94 

1,766,881 89 

52,965,160 82 
35,913 12 



2,929,247 70 



.,112,128 41 



Paid-up capital, 500,000 00 

Surplus over capital, . . . . . . $612,128 41 



Income. 

Cash received for fire premiums, . . $1,844,662 12 
Deduct reinsurance and return premiums, . 377,577 95 

Net cash received for fire premiums, . . — $1,467,084 17 

Interest received on bonds and mortgages, . . . 48,794 80 

Interest and dividends received from all other sources, . 158,865 19 

Income from rents, 5,264 11 

transfers, surveys, etc., 4,737 90 

Gross cash income, $1,684,746 17 



Expenditures. 



Cash paid for fire losses, 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, 
Cash dividends paid, . 



,176,217 53 
71,509 03 



,104,708 50 
200,000 00 



214 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . . 

for incidentals, 

Deposits returned on perpetual fire risks, . f 41,352 83 

Gross cash expenditures, 



$331,610 79< 
77,029 47 
41,017 45 
23,780 36 



L,778,146 57 



Fire risks outstanding Dec. 31. 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

$210,751,991 00 $3,651,880 52 
. 147,235,336 00 1,847,553 7& 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 
Perpetual risks (included above), 



$357,987,327 00 $5,499,434 28 
.104,133,111 00 1,484,945 69 



$253,854,216 00 $4,014,488 59 
. 11,934,843 00 172,167 87 



$241,919,373 00 $3,842,320 72 
. 84,522,420 00 1,894,591 43 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (40 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$15,668,319 0O 

8,193,791 00 

2,579,762 00 

200,000 00- 

1,085,267 60 

83,150 00' 



FIRE INSURANCE COMPANY OF THE COUNTY OF PHILA- 
DELPHIA, PHILADELPHIA, PENN. 

[Incorporated May 31, 1832. Commenced business April 9, 1833.] 
Paid-up Capital, $400,000. 

James N. Stone, President. John W. Dulles, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

Jersey City loan, . . . . ' . . $9,000 00 $9,900 00 

Camden county (N. J.) loan, . . . 15,000 00 16,200 00 

Lehigh Valley Railroad bonds, . . . 18,000 00 22,737 50 

Delaware and Bound Brook R. R. bonds, . 24,000 00 30,480 00 

North Pennsylvania Railroad bonds, . . 12,000 00 14,760 00- 

Catawissa Railroad bonds, .... 4,000 00 4,840 00 

Pennsylvania Company bonds, . . . 19,000 00 20,615 00- 



1883.] INS. COS. OF OTHER STATES. 



215 



Penn. and N. Y. Canal and R. R. bond, 
Elmira and Williamsport R. R. stock, 
Hunt, and Broad TopR.R. and C. Co. bonds, 
Pittsburg, Cinn. and St. Louis R. R. bonds, 
Railway Car Trust of Pennsylvania bonds, 
American Steamship Co. bonds, . 
West Jersey Railroad bonds, 
New York Car Trust, No. 2, 
United New Jersey R.R. and C. Co. bonds 
Philadelphia and Erie R. R. bonds, 
Pennsylvania Railroad bonds, 
Pennsylvania Car Trust bonds, . 
Junction Railroad bonds, ... 
Camden and Atlantic R.R. bonds, 
Belvidere Delaware R. R. bonds, 
Connecting Railway bonds,. 
West Chester and Phila. R. R. bonds, . 
Bell's Gap Railroad bonds, . 
Phila., Wil. and Baltimore R.R. bonds, 
Philadelphia and Reading R.R, bonds, 
Phila., Ger. and Norristown R.R. bonds, 
Camden city bonds, . ' . 
Pennsylvania Railroad bonds, 



Par value. 
110,000 00 

550 00 

13,000 00 

20,000 00 

8,000 00 

4,500 00 

15,000 00 

12,000 00 

20,000 00 

10,000 00 

11,000 00 

15,000 00 

7,000 00 

4,000 00 

1,000 00 

3,000 00 

2,000 00 

5,000 00 

15,000 00 

10,000 00 

8,500 00 

1,000 00 

6,000 00 



Market value. 

$12,410 00 

495 00 

15,080 00 

24,400 00 

8,080 00 

4,860 00 

17,400 00 

12,120 00 

24,000 00 

10,400 00 

13,480 00 

15,150 00 

8,085 00 

4,560 00 

1,200 00 

3,540 00 

2,240 00 

5,500 00 

16,050 00 

12,700 00 

18,445 00 

1,280 00 

7,020 00 



$302,550 00 $358,027 50 



Securities held as collateral for cash loans : — 



800 shares Northern Pacific Railroad, 
10 " Morris Canal -and B'kg Co., 
150 " Northern Liberties Gas Co., 
203 " Pennsylvania R.R., . 
69 " Northern Liberties Bank, . 
5 " Girard Fire Ins. Co., . 



Market value. 

$19,240 00 

700 00 

5,625 00 

11,672 50 

11,385 00 

1,500 00 



Loaned thereon. 

$17,000 00 

646 00 

3,500 00 

9,975 00 

7,200 00 

1,050 00 



,122 50 



,371 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $44,500 00 

Loans on mort'ge of real estate (first liens*) , 144,950 00 

Interest due or accrued thereon, . . . 2,041 48 

Stocks, bonds, etc., as per schedule, . . 358,027 50 

Loans on collateral security, as per schedule, 39,371 00 

Cash in the office of the company, . . 15,186 07 



* Total value of property mortgaged, . . $350,650 00 
Amount of insurance held as collateral, . 110,950 00 



216 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash deposited in bank, 


126,933 25 




Interest due and accrued, 


797 02 




Premiums in course of collection (gross) , 


8,989 14 




Rents due and accrued, 


56 78 




Miscellaneous, . . 


175 00 




Gross assets, 




$641,027 24 




Liabilities. 


• 




Losses adjusted, unpaid, . 


$2,645 40 




claimed and reported, 


6,795 00 




disputed or resisted, 


4,500 00 




Total amount of losses, . 


$13,940 40 




Less reinsurance, 


246 05 




Net amount of unpaid losses, 


$13,694 35 




Unearned premiums on outstanding risks, 


47,998 59 




Reclaimable on perpetual fire policies, 


74,757 26 




Dividends to stockholders unpaid, 


117 00 




State and local taxes, .... 


1,200 00 




Commissions and brokerage, 


2,014 20 




Gross liabilities, except capital, . 




139,781 40 




Surplus as regards policy-holders, 


$501,245 84 


Paid-up capital, 




400,000 00 


Surplus over capital, . 


$101,245 84 



Income. 

Cash received for fire premiums, 

Deduct reinsurance and return premiums, . 

Net cash received for fire premiums, . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Income from all other sources, . 
Deposits received for perpetual fire risks, . 
Received for increased capital, 

Gross cash income, .... 



$97,400 39 




8,810 99 






$88,589 40 
6,333 06 


... 


sources, 


16,220 85 


. 


1,294 31 


. . 


496 41 


$6,788 75 




200,000 00 




. 


$112,934 03 



Expenditures. 



Cash paid for fire losses, 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, 
Cash dividends paid, . 



,208 46 
140 33 



$40,068 13 
19,895 00 



1*83.] 



INS. COS. OF OTHER STATES. 



217 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Perpetual deposits returned, . . . $4,416 00 

Gross cash expenditures, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 
Perpetual risks (not included above), , 



$6,539,815 00 
10,225,380 00 



,765,195 00 

8,804,598 00 



$7,960,597 00 
51,900 00 



$7,908,697 00 
2,809,083 00 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year, .... 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$17,626 20 
6,366 99 
3,823 6 
6,879 1 



,659 12 



Premiums. 

$64,036 93 
100,914 08 



$164,951 01 
72,280 69 



)2,670 32 
527 54 



$92,142 78 
80,818 Q6 



$594,570 44 

355,178 22 

356,000 00 

20,000 00 

46,941 74 

85,300 00 



FIREMAN'S FUND INSURANCE CO., SAN FRANCISCO, CAL. 

Paid-up Capital, $750,000. 
[Incorporated May 3, 1863. Commenced business June 18, 1863. J 

David J. Staples, President. Wm. J. Dutton, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 

Oakland City Gaslight Co. bonds, 
Oakland City Sewer bonds, .... 
California Dry Dock Co. bonds, . 
Market Street Cable Railroad Co. bonds, . 
99 shares First National Gold Bank, S. F., 
100 " No. Beach and Mission R.R. Co., 
100 " Geary St., Park & Ocean R.R. Co., 
150 " Pacific Rolling Mills, . . . 



Par value. 

,000 00 
25,000 00 
20,000 00 
12,000 00 
25,000 00 
9,900 00 
10,000 00 
10,000 00 
15,000 00 



Market value 

&7 13,400 
25,500 00 
20,000 00 
12,540 00 
27,750 00 
12,375 00 
9,500 00 
10,000 00 
18,750 00 



218 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



250 shares Judson Manufacturing- Co. 



100 
200 
100 
120 
15 



California Dry Dock Co., 
Presidio and Ferries R. R. 
California Street R. R. Co. 
Sutter Street R. R. Co., 
Pioneer Woolen Factory, 



Pioneer Woolen Factory scrip, 



Co. 



Par value. 
$25,000 00 
10,000 00 
20,000 00 
10,000 00 
12,000 00 
15,000 00 
900 00 



Market value. 

$12,000 00 
5,800 00 
13,600 00 
12,250 00 
11,430 00 
14,100 00 
900 00 



|799,800 00 $919,895 00 



Securities held as collateral for cash loans : — 



440 shares Masonic Hall Association, 



60 
10 
15 

257 
200 
100 

55 
200 
100 

50 



Safe Deposit Co., 
California Street R. R. Co., 
Presidio and Ferries R. R. Co., 
Risdon Iron Works Co., 
Judson Manufacturing Co., 
Gold and Stock Telegraph Co., 
Judson Manufacturing Co., 
California Iron and Steel Co., 
Judson Manufacturing Co., 
California Street R. R. Co., 



Market value. Loaned thereon. 



$4,400 00 


$3,000 00 


3,000 00 \ 




1,225 00 I 


2,950 00 


1,000 00 J 




7,710 00 "i 
9,600 00/ 


6,000 00 


8,000 00 


6,000 00 


2,640 00 


1,500 00 


7,000 001 
4,800 00 f 


7,100 00 


6,125 00 


800 00 


$55,500 00 


$27,350 00 



Summary of Assets, Dec. 31, 1883. 



Cash value of unencumbered real estate, . 
Loans on mort'ge of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, 

deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, 

Gross assets, . . . . 
Deduct special deposit in other States, 

Balance, 



$212,000 00 

93,950 00 

391 93 

919,895 00 

27,350 00 

9,801 14 

83,930 02 

8,653 65 

70,895 02 

46,036 15 

122 85 



$1,473,025 76 
61,500 00 

$1,411,525 76 



* Value of lands mortgaged $177,200 00 

Value of buildings thereon, . . . . 114,500 00 

Amount of insurance held as collateral, . 75,450 00 



1883.] 



INS. COS. OF OTHER STATES. 



219 



Liabilities. 

Losses adjusted, unpaid, , $28,263 25 

claimed and reported, . . . 48,827 01 

disputed or resisted, . . . 5,129 87 

Total amount of losses, .... $82,22013 

Less reinsurance, 7,421 77 

Net amount of unpaid losses, . . . $74,798 36 

Unearned premiums on outstanding risks, . 444,906 76 

Commissions and brokerage, . . . 3,656 92 

Bills payable, 5,112 86 

Gross liabilities, except capital, . . $528,474 90 

Deduct liabilities on special deposits, . . 19,897 40 



Surplus as regards policy-holders, .... 
Paid-up capital, 

Surplus over capital, 

Income. 

Cash received for fire premiums, . . $792,110 24 
Deduct reinsurance and return premiums, . 203,984 91 

Net cash received for fire premiums, . . • 

Cash rec'd for marine and inl'd premiums, $302,459 22 
Deduct reinsurance and return premiums, . 93,377 18 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages, . • $ • 
Interest and dividends received from all other sources, 
Income from rents, 

Gross cash income, 



Expenditures 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, — 

Cash dividends paid, . . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$338,523 10 
36,628 17 



,271 69 
15,274 54 



$508,577 50 

$902,948 26 

750,000 00 

$152,948 26 



,125 33 



209,082 04 

7,023 77 

30,270 37 

13,666 46 

$848,167 97 



$301,894 93 



64,997 15 
90,000 00 
91,636 59 
66,199 77 
13,918 84 
78,616 98 



Gross cash expenditures, 



$707,264 26 



220 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, . 
Fire risks written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$112,377,541 00 
55,419,416 00 



$54,291,108 00 
58,086,433 00 



,958,125 00 
4,880,974 00 



Premiums. 

$697,315 12 
787,356 21 

1,484,671 33 
729,516 05 

$755,155 28 
89,710 48 



$52,077,151 00 $665,444 80 



$2,164,557 00 
15,888,264 00 



$18,052,821 00 
15,678,171 00 



52,374,650 00 
554,695 00 



$134,303 56 • 
301,097 62 

$435,401 18 
294,726 59 

$140,674 59 
33,335 30 



1,819,955 00 $107,339 29 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), . » 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, . 



18,991,886 83 

5,318,080 29 

1,166,060 00 

90,000 00 

302,448 92 

88,985 08 

111,500 00 



FIREMEN'S INSURANCE COMPANY, DAYTON, OHIO. 

[Incorporated April, 1856. Commenced business, 1856 ] 

Paid-up Capital, $250,000. 

S. Craighead, President. Edward Stanberry, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 

Dayton city bonds, . 

Music Hall Company's bonds, 

Troy (Ohio) city bonds, 

135 shares Merchants' National Bank, 
50 " Second National Bank, 
22 " Dayton National Bank, 



Par value. 

$110,000 00 
21,000 00 
5,400 00 
5,000 00 
13,500 00 
5,000 00 
2,200 00 



Market value. 

1111,100 00 
21,921 10 
5,400 00 
5,462 50 
18,360 00 
6,850 00 
3,520 00 



$162,100 00 $172,613 60 



1883.] INS. COS. OF OTHER STATES. 

Securities held as collateral for cash loans : — 



221 



Cooper Hydraulic Company stock, 
Third National Bank stock, . 
Dayton St. Railroad stock, . 



Market value. 

$25,000 00 

12,000 00 

3,200 00 



Loaned thereon. 

$12,500 00 

6,000 00 

2,500 00 



$40,200 00 $21,000 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . 
Loans on rnortg'e of real estate (first liens*) , 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, 

Gross assets, 



L,147 81 
82,364 21 

2,615 38 

172,613 60 

21,000 00 

4,017 30 
10,242 96 

2,028 62 
41,401 18 

2,410 12 
587 45 



$423,428 63 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, . 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 



,346 47 

5,560 00 

1,250 00 

,156 47 

351 57 



$16,804 90 

135,487 55 

568 80 

2,326 46 



155,187 71 

$268,240 92 
250,000 00 

$18,240 92 



Value of lands mortgaged $93,645 00 

Value of buildings thereon 117,240 00 

Amount of insurance held as collateral, . . 45,350 00 



222 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums, . . $254,564 03 

Deduct reinsurance and return premiums, . 54,922 44 

Net cash received for fire premiums, . . $199,641 59 

Interest received on bonds and mortgages, . . . 7,742 51 

Interest and dividends received from all other sources, . 8,100 90 

Income from rents, 6,244 46 

Gross cash income, $221,729 46 



Expenditures. 

€ash paid for fire losses, .... $129,496 81 
Deduct salvage and reinsurance, . . 1,981 20 

Net cash paid for fire losses, . . . • 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, ........ 

Gross cash expenditures, 



$127,515 61 
19,431 20 
36,056 76 
17,852 51 
5,286 41 
24,756 28 



,898 77 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

. $19,225,513 00 $232,464 73 
. 20,906,889 00 254,564 03 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



,132,402 00 $487,028 76 
18,397,180 00 220,761 79 



$21,735,222 00 $266,266 97 
501,182 00 6,519 78 



$21,234,040 00 $259,747 19 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$2,076,949 75 
834,298 04 
452,392 40 

20,000 00 
134,788 40 

31,320 00 



1883.] 



INS. COS. OF OTHER STATES. 



223 



FIREMEN'S INSURANCE COMPANY, NEWARK, N. J. 

[Incorporated Dec. 3, 1855. Commenced business Dec. 3, 1855.] 

Paid-up Capital, $500,000. 

S. R. W. Heath, President. D. H. Dunham, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
Morris and Essex Railroad bonds, 
Central Railroad of New Jersey bonds, 
Orange and Newark H. R.R. bonds, . 
Newark City National Bank stock, 
Second National Bank stock, 
National State Bank stock, . 
Essex County National Bank stock, . 
National Newark Banking Co. stock, . 
German National Bank stock, 
American Insurance Company stock, . 
Newark Fire Insurance Company stock, 
Newark City Insurance Company stock, 
Germania Insurance Company stock, . 
Morris and Essex Railroad stock, 
Newark Gas Light Company stock, . 
Paterson Gas Light Company stock, . 
Newark and Rosendale Cement Co. stock, 



Par value. 

$50,000 00 

50,000 00 

50,000 00 

10,000 00 

20,000 00 

20,000 00 

16,500 00 

11,300 00 

19,250 00 

2,300 00 

20,000 00 

2,340 00 

1,500 00 

2,000 00 

11,800 00 

5,000 00 

10,000 00 

3,600 00 



Market value. 

$59,800 00 

62,000 00 

55,580 00 

10,000 00 

26,000 00 

24,000 00 

19,140 00 

14,125 00 

25,987 50 

2,162 00 

32,000 00 

2,808 00 

1,200 00 

1,000 00 

14,396 00 

6,750 00 

10,000 00 

3,600 00 



$305,590 00 $370,548 50 



Securities held as collateral for cash loans : 

Chester Rolling Mills stock, 
New York and Cuba Mail S.S. Co. stock, . 
Middlesex County National Bank, stock, . 
Yonkers Gas Light Company stock, . 



Market value. 

$120,000 00 

30,000 00 

1,150 00 

400 00 

$151,550 00 



Loaned thereon. 

$50,000 00 

20,000 00 

750 00 

350 00 

$71,100 00 



Summary op Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $146,414 83 

Loans on mort'ge of real estate (first liens*) , 750,402 00 

Interest due or accrued thereon, . . . 14,281 18 

Stocks, bonds, etc., as per schedule, . . 370,548 50 



* Total value of property mortgaged, . . $1,787,700 00 
Amount of insurance held as collateral, . 924,690 00 



224 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Premiums in course of collection (gross), . 
Rents due and accrued, .... 
Gross assets, 



171,100 00 
13,726 64 

11,127 76 

5,170 74 

456 83 



$1,383,228 48 



Liabilities. 

Losses adjusted, unpaid, .... $552 31 

claimed and reported, . . . 8,877 00 

disputed or resisted, .... 4,300 00 

Unearned premiums on outstanding risks, . 133,835 55 

Unpaid scrip ordered to be redeemed, . 2,131 00 

Interest due or accrued on scrip, . . 574 86 

Commissions and brokerage, . . . 684 65 

Return premiums, 280 83 

Gross liabilities, except capital, . . 

Surplus as regards policy-holders, .... 
Paid-up capital, 

Surplus over capital, 

Income 

Cash received for fire premiums, . . $235,650 95 

Deduct reinsurance and return premiums, . 12,865 07 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

profit on sale of real estate, . 

old accounts, 

Gross cash income, ........ 

Expenditures. 

Cash paid for fire losses $103,820 15 

Deduct salvage and reinsurance, . . 171 72 

Net cash paid for fire losses, 

Cash dividends paid, . 

Cash paid for redemption of scrip, 

Interest paid scrip-holders, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

for repairs on real estate, . 



151,236 20 

$1,231,992 28 
500,000 00 



$731,992 28 



$222,785 88 

45,546 05 

28,728 08 

7,371 43 

2,862 78 

260 03 

$307,554 25- 



$103,648 4a 

60,000 00 

115 00 

21 13 

32,854 bb 

19,012 00 

8,072 35 

8,779 37 

861 18 



Gross cash expenditures, 



$233,364 01 



1883.] INS. COS. OF OTHER STATES. 



225 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 
$29,135,226 00 $229,849 39 
31,010,656 00 236,664 35 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



,145,882 00 $466,513 74 
28,493,404 00 206,721 25 



$31,652,478 00 $259,792 49 
121,166 00 846 96 



Net amount in force $31,531,312 00 $258,945 53 

Miscellaneous. 



Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



?2,507,156 44 

1,208,992 49 

672,500 00 

60,000 00 

97,148 30 

284,700 00 



FIREMEN'S INSURANCE COMPANY OF NEW YORK. 

[Incorporated April 19, 1825. Commenced business 1825.] 

Paid-up Capital $204,000. 

John F. Halstead, President. P. Hanford Oaklet, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Delaware and Hudson Canal bonds, 
Bank of New York stock, . 
Metropolitan Bank stock, . 
American Exchange Bank stock, 



Par value. 
.$215,000 00 
16,000 00 
6,700 00 
6,000 00 
4,000 00 



Market value. 

$222,925 00 

17,590 00 

11,055 00 

9,000 00 

5,080 00 



$247,700 00 $265,650 00 



Summary of Assets, Dec. 31, 1883. 

Loans on mortg'e of real estate (first liens*), $21,300 00 
Interest due or accrued thereon, . . . 479 25 

Stocks, bonds, etc., as per schedule, . . 265,650 00 



* Value of lands mortgaged, . . . $29,500 00 

Value of buildings thereon 25,500 00 

Amount of insurance held as collateral, . 17,400 00 



226 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash in the office of the company, . . $1,537 44 

Cash deposited in bank, . . . . 942 89 

Interest due and accrued, .... 1,295 50 

Premiums in course of collection (gross), . 6,606 92 
Premiums more than 3 mos. due, $80 10 

Gross assets, — 



$297,812 00 



Liabilities. 

Losses adjusted unpaid, 

claimed and reported, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
State and local taxes, .... 
Commissions and brokerage, 
Return premiums, . 
Gross liabilities except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, . . . 



$100 00 

3,850 00 

36,774 98 

683 33 

244 80 

1,156 20 
165 02 



42,974 33 

|254,837 67 
204,000 00 



Surplus over capital, 



,837 67 



Income. 

Cash received for fire premiums, . . $70,367 68 
Deduct reinsurance and return premiums, . 6,964 39 

Net cash received for fire premiums, . . $63,403 29 

Net cash rec'd for marine and inl'd prem's, . . . 773 33 

Interest received on bonds and mortgages, . . . 2,075 66 

Interest and dividends received from all other sources, . 8,170 41 

Gross cash income, $74,422 69 



Expenditures. 

Cash paid for fire losses, .... 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, ... — 
Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



24,184 04 
296 13 



$23,887 91 

13 77 

10,200 00 

9,669 90 

10,440 00 

597 83 

6,683 92 



Gross cash expenditures, 



1,493 33 



1883.] 



INS. COS. OF OTHER STATES. 



227 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, , 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$10,403,138 00 

12,513,769 00 



Premiums. 

$63,568 01 
71,448 42 



$22,916,907 00 
11,872,183 00 


$135,016 43 
61,484 73 


$11,044,724 00 
258,586 00 


$73,531 70 
1,756 24 


$10,786,138 00 

$41,000 00 
33,500 00 


$71,775 46 

$1,117 08 
813 33 


$74,500 00 
41,000 00 


$1,930 41 
1,117 08 



$33,500 00 



$813 33 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (5 per cent), 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, .... 



14,313,924 64 

2,715,830 11 

1,372,978 17 

10,200 00 

19,086 88 

13 77 

69,122 00 



FRANKLIN FIRE INSURANCE COMPANY, PHILADELPHIA, PA. 

[Incorporated April 22, 1829. Commenced business June 1, 1829.] 

Paid-up Capital, $400,000. 

James W. McAllister, President Ezra T. Cresson, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



Maine state bonds, 
Philadelphia city bonds, 
Camden city bonds, 
Pittsburgh city bonds, . 
West Jersey Railroad bonds, 
Philadelphia and Reading Railroad bonds, 
Hestonville, M. and F. P. Railroad bonds, . 
Del. and Rar., Can. and C. and A. R.R. bonds, 



Par value. 

$7,000 00 
50,000 00 

1,000 00 
10,000 00 
10,000 00 
17,000 00 
10,000 00 

5,000 00 



Market value. 

$8,050 00 
65,000 00 

1,100 00 
12,525 00 
12,200 00 
20,400 00 
11,000 00 

5,475 00 



228 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Connecting Railroad bonds, 
Easton and Aniboy Railroad bonds, . 
Huntingdon and Broad Top R. R. bonds, 
Huntingdon and Broad Top R. R. scrip, 
Lehigh Valley Railroad bonds, . 
Elmira and Williamsport R. R. bonds, 
Philadelphia, Wil.and Bait. R. R. stock, 
Steubenville and Indiana Railroad bonds, 
New York, Lacka. and Western R.R. bonds 
West Jersey Railroad bonds, 
New York Central Railroad bonds, 
Jacksonville and So. E. R. R bonds, . 
Harrisburg, P. Mt. Joy and L. R. R. bonds 
Lehigh Coal and Navigation Co. bonds, 
Lehigh Coal and Navigation Co. loan, 
Pennsylvania Car Trust Co. bonds, 
Northern Central Railroad bonds, 
Philadelphia, Wil. and Bait. R. R. bonds, 
W. Jersey and Atlantic R. R. bonds, . 
Pennsylvania Railroad Co. bonds, 
Louisville and Nashville Railroad bonds, 
100 shares Commercial National Bank, 
16 " Continental Hotel Co., 



Par value. 

$20,000 00 

25,000 00 

5,000 00 

5,000 00 

35,000 00 

10,000 00 

25,000 00 

17,000 00 

25,000 00 

15,000 00 

25,000 00 

10,000 00 

25,000 00 

15,000 00 

3,300 00 

30,000 00 

15,000 00 

10,000 00 

16,000 00 

20,000 00 

10,000 00 

5,000 00 

1,600 00 



Market value. 

$23,650 00 

26,500 00 

5,800 00 

5,8Q0 00 

42,700 00 

9,900 00 

23,250 00 

17,510 00 

30,250 00 

17,475 00 

25,750 00 

10,000 00 

25,000 00 

15,450 00 

3,844 50 

30,000 00 

15,450 00 

10,500 00 

16,880 00 

21,600 00 

9,400 00 

6,000 00 

1,600 00 



c77,900 00 $530,059 50 



Securities held as collateral for cash loans : — 



56 shares Pennsylvania Railroad, . 
1000 " Germantown R R. W. Co., 
Philadelphia and Reading Railroad bonds 
Lehigh and Wilkesbarre Coal Co. bonds, 
Pittsburg, Titus ville and Buffalo R.R. bonds 
Philadelphia and Reading mortgage bonds 
Pittsburg, Cinn. and St. Louis R. R. bonds 
100 shares Lehigh Coal and Nav. Co , 
100 " Del. and Bound Brook R.R. Co. 
100 " North Pennsylvania R. R. Co., 
500 " Delaware and Bound Brook R.R 
218 " North Pennsylvania R. R., . 
83 " Pennsylvania Salt Manuf'g Co 
Lehigh Coal and Navigation Co. bonds, 
625 shares Penn. & N. Y. Canal and R.R. Co. 
Texas and Pacific Railroad bonds, 
North Pennsylvania Railroad bonds, . 
St. Louis and Iron Mountain Railway bonds 
200 shares Northern Pacific Railroad, 
Ithaca and Athens Railroad bonds, 



Market value. 

$3,290 00 

70,000 00 

10,160 00 

59,280 00 

3,000 00 

1,000 00 

1,215 00 

4,500 00 

13,500 00 

6,800 00 

67,500 00 

14,824 00 

6,889 00 

31,000 00 

75,000 00 

71,400 00 

68,408 00 

16,050 00 

5,200 00 

5,600 00 



Loaned thereon. 

$1,750 00 

50,000 00 

8,000 00 

48,000 00 

! 

)> 20,000 00 



J 



} 



} 



5,000 00 
50,000 00 

18,000 00 

25,000 00 
50,000 00 
60,000 00 
50,000 00 

18,000 00 
5,000 00 



1883.] 



INS. COS. OF OTHER STATES. 



229 



Lehigh Valley Railroad bonds, . 
North Pennsylvania Railroad bonds, . 
100 shares Lehigh Coal and Nav. Co., 
Philadelphia and Reading R. R. bonds, 
Northern Pacific R. R. bonds, 
Pittsburgh water bonds, 
175 shares Del. and Bound Brook R. R., 
100 " New Jersey Central R. R., 
New York, Chic, and St. Louis R.R. bonds 
Erie funded mortgage bonds, 
Nashville, Chat, and St. Louis mort. bonds, 
Pittsburgh and Lake Erie mortgage bonds, 



} 



>,500 00 



y 50,000 oo 



Market value. Loaned thereon. 

$6,000 00 

1,537 50 

4,500 00 ^ 

2,000 00 
15,750 00 
12,525 00 
23,625 00 

8,600 00 
25,112 50 
17,640 00 
32,700 00 
31,250 00 



} 



35,000 00 

25,000 00 
25,000 00 



$715,856 00 $550,250 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $641,500 00 

Loans on mort'ge of real estate (first liens*), 1,111,106 01 

Interest due or accrued thereon, . . . 19,045 42 

Stocks, bonds, etc , as per schedule, . . 530,059 50 

Loans on collateral security, as per schedule, 550,250 00 

Cash in the office of the company, . . 2,748 89 

Cash deposited in bank, .... 209,382 22 

Interest due and accrued, .... 2,006 26 

Premiums in course of collection (net), . 52,615 15 

Gross assets, 



$3,118,713 45 



Liabilities. 

Losses adjusted, unpaid, . . . 

claimed and reported, 

disputed or resisted, . 
Unearned premiums on outstanding risks, 
Reclaimable or perpetual fire policies, 
Dividends to stockholders unpaid, 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, ..... 



$23,347 42 

34 : 212 27 

1,300 00 

448,913 02 

1,359,987 37 

691 00 



Surplus over capital, 



1,868,451 08 

$1,250,262 37 

400,000 00 

$850,262 37 



* Total value of property mortgaged, . . $2,648,645 00 
Amount of insurance held as collateral, . 1,148,866 30 



230 FIRE, MARINE, AND FIRE-MAEINE [Dec. 31 



Income. 

Cash received for fire premiums, . . $593,530 70 
Deduct reinsurance and return premiums, . 77,199 19 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from all other sources, ...... 

Deposits received for perpetual fire risks, . $40,565 20 

Gross cash income, .... . 



$516,331 51 
98,895 48 
23,169 65 
35,978 38 



$674,375 02 



Expenditures. 

Net cash paid for fire losses, .... 
Cash dividends paid, . . . . . 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

for repairs on real estate, . 



Perpetual deposits returned, 
Gross cash expenditures, 



$40,720 60 



$323,849 91 
80,321 00 
75,281 27 
49,175 61 
35,210 07 
65,544 52 
10,536 10 



$639,918 48 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1882, $137,149,204 00 $2,348,557 02 

written during 1883, . . . 59,778,787 00 638,603 14 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 
Perpetual risks (included above), 



$196,927,991 00 $2,987,160 16 
. 58,161,088 00 626,988 25 



$138,766,903 00 $2,360,171 91 
. 1,568,265 00 18,489 75 



$137,198,638 00 $2,341,682 16 
59,181,228 00 1,462,659 66 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$23,086,559 25 

12,782,398 97 

4,284,000 00 

80,000 00 

351,345 43 

39,600 00 



1883.] 



INS. COS. OF OTHER STATES. 



231 



GERMAN AMERICAN INSURANCE COMPANY, NEW YORK. 

[Incorporated March 7, 1872. Commenced business March 7, 1872.] 

Paid-up Capital, $1,000,000. 

Emil Oelbermann, President. James A. Silvey, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 

Missouri State bonds, .... 

Rhode Island State bonds, . 

New York Central Railroad bonds, . 

Chic., Rock Island and Pacific R.R bonds, 

Cairo and Fulton Railroad bonds, 

Erie Railroad bonds, .... 

Syracuse, Bing. and New York R.R. bonds 

Little Miami Railroad bonds, 

New York and Harlem Railroad stock, 

Chicago, Burl, and Quincy R.R. bonds, 

N. Y. Central and Hudson River R.R stock, 

Morris and Essex Railroad stock, 



Par value. 

$2,580,000 00 
50,000 00 
50,000 00 
50,000 00 
50,000 00 
25,000 00 
50,000 00 
30,000 00 
25,000 00 

100,000 00 
50,000 00 

100,000 00 
20,000 00 



Market value. 

!,064,745 00 
57,500 00 
57,500 00 
51,500 00 
63,000 00 
26,500 00 
63,875 00 
37,800 00 
25,750 00 

190,000 00 
45,875 00 

111,750 00 
24,600 00 



5,180,000 00 $3,820,395 00 



Summary of Assets, Dec. 31, 1883. 

Stocks, bonds, etc., as per schedule, . . $3,820,395 00 

Cash in the office of the company, . . 1,973 41 

Cash deposited in bank, .... 95,591 72 

Interest due and accrued 2,000 00 

Premiums in course of collection (gross), . 146,008 18 
Premiums more than 3 mos. due, $4,334 09 

Gross assets, —— 

Deduct special deposit in other States, . 



Balance, 



$4,065,968 31 
104,437 50 

$3,961,530 81 



Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, 



$63,633 36 
88,473 16 
17,757 96 

$169,864 48 
9,965 11 



Net amount of unpaid losses, 



$159,899 37 



232 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Unearned premiums on outstanding risks, 
Commissions and brokerage, 

Gross liabilities, except capital, . 
Deduct liabilities on special deposits, . 

Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, 



$1,186,120 25 
34,938 43 

$1,380,958 05 
27,446 37 



$1,353,511 68 

. $2,608,019 13 
. 1,000,000 00 



. $1,608,019 13 



Income. 

Cash received for fire premiums, . . $2,030,198 45 
Deduct reinsurance and return premiums, . 346,687 38 

Net cash received for fire premiums, . . $1,683,511 07 

Interest and dividends received from all sources, . . 153,921 34 



Gross cash income, 



,837,432 41 



Expenditures. 

Cash paid for fire losses, .... $939,166 88 
Deduct salvage and reinsurance, . . 83,719 99 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees 

for State and local taxes, . 

for incidentals, .... 

Gross cash expenditures, 

Risks and Premiums. 



$855,446 89 

130,000 00 

251,776 88 

138,039 44 

43,372 00 

154,764 94 

1,573,400 15 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$240,472,942 00 
. 251,169,002 00 

$491,641,944 00 
. 232,508,924 00 

$259,133,020 00 
. 10,681,876 00 

$248,451,144 00 $2,277,866 28 



Premiums. 

52,051,897 21 
2,065,043 28 

^,116,940 49 
1,717,682 92 



52,399,257 57 
121,391 29 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (13 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$13,432,723 74 
5,961,625 89 
1,110,000 00 
130,000 00 
895,346 94 
341,900 00 



1883.] 



INS. COS. OF OTHER STATES. 



233 



GERMAN FIRE INSURANCE COMPANY, PITTSBURGH, PENN. 

[Incorporated March, 1862. Commenced business July, 1862.] 
Paid-up Capital, $200,000. 
Charles Barchfeld, President. F. L Gross, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Allegheny County Riot bonds, 
Pittsburgh city bonds, . 
Howard School District bonds, 
Kilbuck School District bonds, 
Humboldt School District bonds, 
Colfax School District bonds, 
Pittsburgh, N C. and L E. R.R. bonds, 
Pittsburgh and Western Railroad bonds, 
People's Park Passenger Railroad bonds, 
German Evang. Protestant Church bonds, 
German National Bank stock, 
Exchange National Bank stock, . 
Merchants' and Manuf'rs' Nat'l B'k stock, 
Third National Bank stock, 
Metropolitan National Bank stock, 
First National Bank stock, . 



Par value. 

$37,500 00 
11,000 00 
18,000 00 
5,000 00 
5,500 00 
5,000 00 
4,000 00 
3,000 00 
2,000 00 
5,000 00 
2,200 00 
7,200 00 
3,500 00 
2,150 00 
5,500 00 
300 00 
2,700 00 



Market value. 

$44,422 50 

11,600 00 

18,800 00 

5,325 00 

5,935 00 

5,000 00 

4,000 00 

3,625 00 

2,374 00 

5,000 00 

2,310 00 

14,760 00 

5,880 00 

2,666 00 

8,690 00 

300 00 

4,860 00 



$119,550 00 $145,607 50 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $14,430 45 

Loans on mort'ge of real estate (first liens*), 209,777 50 

Interest due or accrued thereon, . . . 4,415 50 

Stocks, bonds, etc., as per schedule, . . 145,607 50 

Cash deposited in bank, .... 29,793 51 

Interest due and accrued, . . . . 494 25 

Premiums in course of collection (net), . 27,115 17 

Notes taken for fire risks, .... 90 00 

Rents due and accrued, .... 68 00 

Gross assets, 



$431,791 88 



* Total value of property mortgaged, . . $480,750 00 
Amount of insurance held as collateral, . . 156,975 00 



234 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 

Losses adjusted unpaid, . . 
Unearned premiums on outstanding risks, 
State and local taxes, .... 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capita], 



Surplus over capital, 



$9,820 00 

119,738 86 

1,200 00 



$130,758 86 

$301,033 02 
200,000 00 

$101,033 02 



Income. 

Cash received for fire premiums, . . $221,620 89 
Deduct reinsurance and return premiums, . 23,692 56 

Net cash received for fire premiums, . . $197,928 33 

Interest received on bonds and mortgages, . . . 11,139 45 

Interest and dividends received from all other sources, . 6,499 00 

Income from rents, 519 00 

Gross cash income, $216,085 78 



Expenditures. 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
State and local taxes, .... 

Gross cash expenditures, .... 



$110,052 76 

24,000 00 

42,691 50 

17,872 68 

6,043 04 

$200,659 98 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Bisks and Premiums. 

Premiums. 

$16,797,623 00 $195,874 74 
19,614,766 00 222,937 44 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$36,412,389 00 $418,812 18 
17,541,364 00 183,955 04 



,871,025 00 $234,857 14 
110,338 00 - 1,290 96 



$18,760,687 00 $233,566 18 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



[,491,444 83 
490,797 65 
386,000 00 

24,000 00 
111,472 76 

29,350 00 



1883.] 



INS. COS. OF OTHER STATES. 



235 



GERMANIA FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated March, 1859. Commenced business March, 1859.J 

Paid-up Capital, $1,000,000. 

Rudolph Garrigue, President. Hugo Schumann, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . . ... 
St. Paul, Minn, and Manitoba R. R. bonds, 
250 shares N. Y. Cent'l and Hud. Riv. R. R. 
Morris and Essex Railroad bonds, 
Mississippi state bonds, 
50 shares National Park Bank, . 



Par value. Market value. 

$1,375,000 00 $1,696,781 25 



18,000 00 
25,000 00 
50,000 00 
20,000 00 
5,000 00 



19,980 00 

28,625 00 

61,937 50 

20,000 00 

8,250 00 



.,493,000 00 $1,835,573 75 



Summary of Assets, Dec. 31, 1883. 



Cash value of unencumbered real estate, . 
Loans on mortg'e of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, 
Cash deposited in bank, 
Premiums in course of collection (net), 
Rents due and accrued, 
Mississippi deposit, .... 
Gross assets, .... 

Deduct special deposits in other States, 



$469,837 33 

145,450 00 

4,406 50 

1,835,573 75 

23,684 57 

62,350 48 

148,235 05 

3,691 64 

7,500 00 



Balance, 



$2,700,729 32 
207,537 50 

$2,493,191 82 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Interest due and accrued, . 

Gross liabilities, except capital, . 



$11,367 32 
64,130 04 
32,361 14 

773,848 17 
1,125 CO 



,831 67 



* Value of lands mortgaged, .... $145,500 00 
Value of buildings thereon, .... 154,600 00 
Amount of insurance held as collateral, . 140,700 00 



236 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Deduct liabilities on special deposits, . . $42,913 14 



Surplus as regards policy-holders, 
Paid-up capital, 



$839,918 53 

^,653,273 29 

1,000,000 00 



Surplus over capital, . 

Income. 

Cash received for fire premiums, 
Deduct reinsurance and return premiums, . 
Net cash received for fire premiums, . 
Interest received on bonds and mortgages, 



. $653,273 29 



,329,181 12 
123,912 82 



$1,205,268 30 

12,995 28 
Interest and dividends received from all other sources, . 91,278 77 



Gross cash income, . . . 

Expenditures. 
Cash paid for fire losses, .... $631,87464 
Deduct salvage and reinsurance, . . 7,552 04 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, . . 

Gross cash expenditures, .... 
Risks and Premiums. 



. $1,309,542 35 



£624,322 60 

100,000 00 

232,680 05 

68,522 41 

34,109 62 

169,883 26 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, . . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$137,573,120 00 

. 143,049,980 00 

$280,623,100 00 

. 130,429,409 00 

$150,193,691 00 

. 1,539,105 00 



L,229,517 94 



Premiums. 

11,344,861 86 

1,333,859 80 

12,678,721 66 

1,185,791 76 

11,492,929 90 

14,322 24 



$148,654,586 00 f 1,478,607 66 



Miscellaneous. 
Premiums received from organization of company, . $15,456,562 52 

Losses paid from organization of company, . . . 7,215,632 33 

Cash dividends declared from organization of company, . 1,501,000 00 

Dividends declared during the year (10 per cent.), . . 100,000 00 

Fire losses incurred during the year, 605,097 15 

Company's stock owned by directors, 132,750 00 



1883.] 



INS. COS. OF OTHER STATES. 



237 



GIRARD FIRE AND MARINE INSURANCE COMPANY, PHILA- 
DELPHIA, PENN. 

[Incorporated March, 1853. Commenced business May, 1853.] 
Paid-up Capital, $300,000. 
Alfred S. Gillett, President. Edwin F. Merrill, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
Philadelphia city bonds, 
Louisville city bonds, .... 
St. Louis county and city bonds, . 
American Steamship Company bonds, 
Union Pacific Railroad Company bonds, 
Connecting Railroad Company bonds, 
Pennsylvania Railroad Company bonds, 
Camden and Amboy R.R. Company bonds 
Philadelphia and Erie R.R. Co. bonds, 
Philadelphia and Reading R.R. Co. bonds, 
Philadelphia and Reading R.R. Co. scrip, 
Lehigh Navigation Company bonds, . 
Susquehanna Coal Company bonds, . 
Lancaster and Reading R.R. Co. bonds, 
No. Pennsylvania R.R Co. bonds, 
45 shares Phila. and Darby Pass. Railroad 
Illinois Township bonds, 
Phila, and Reading R.R. Car Trust Co. b'ds 
Philadelphia and Reading Railroad bond, 



Par value. 

$87,500 00 

10,000 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 

10,000 00 

10,000 00 

13,000 00 

10,000 00 

5,000 00 

1,750 00 

11,000 00 

3,000 00 

10,000 00 

5,000 00 

2,250 00 

6,000 00 

35,000 00 

1,000 00 



Market value. 

$106,900 00 

13,200 00 

11,200 00 

11,800 00 

5,400 00 

5,850 00 

11,800 00 

12,200 00 

14,170 00 

11,200 00 

3,500 00 

1,750 00 

12,760 00 

3,300 00 

11,400 00 

6,250 00 

1,800 00 

6,000 00 

35,000 00 

760 00 



$250,500 00 $286,240 00 



Securities held as collateral for cash loans : — 



Market value. Loaned thereon. 



100 shares M. and M. Schraeder Co., . 
Real estate mortgage, . 
Allegheny Valley Railroad Company, 
Temporary loan, secured, . 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $343,800 00 

Loans on mort'ge of real estate (first liens*) , 474,033 32 

Interest due or accrued thereon, . . . 8,544 90 



$10,000 00 ) 

10,000 00 S 

1,000 00 


$8,000 00 

600 00 
3,100 00 




$11,700 00 



* Total value of property mortgaged, . . $1,512,610 00 
Amount of insurance held as collateral, . 252,775 00 



238 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Rents due and accrued, 
Perpetual insurance deposit, 

Gross assets, 



1286,240 00 

11,700 00 

3,214 14 

81,375 98 

174 34 

46,713 42 

2,105 89 

2,065 50 



$1,259,967 49 



Liabilities. 

Losses claimed and reported, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Due and accrued for rent, salaries, etc, 
State and local taxes, . 
Commissions and brokerage, 
Return premiums, 
Reinsurance, .... 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



$18,550 07 

247,012 28 

112,549 08 

4,401 50 

305 70 

8,081 42 

3,671 43 

144 64 



Surplus over capital, 



394,716 12 

$865,251 37 
300,000 00 

$565,251 37 



Income. 



Cash received for fire premiums, 



$373,680 86 



Deduct reinsurance and return premiums, . 41,894 08 
Net cash received for fire premiums, . . 



Net cash received for inland premiums, . 
Interest received on bonds and mortgages, 
Interest and dividends received from all other sources, 

Income from rents, 

Deposits received for perpetual fire risks, . $4,469 31 

Gross cash income, 



$331,786 78 

1,114 93 

28,482 06 

18,967 09 

18,907 56 



$399,258 42 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Net cash paid for inland losses, . 

Cash dividends paid, . 

Cash paid for commissions and brokerage, 

for salaries of officers and emploj'ees, 



$130,676 83 
2,375 66 



$128,301 17 

3,639 63 

72,000 00 

65,604 23 

34,424 00 



1883.] 



INS. COS. OF OTHER STATES. 



239 



Cash paid for State and local taxes, . 

for incidentals, .... 
Deposits returned on perpetual fire. risks, . 

Gross cash expenditures, 



$2,276 29 



$14,209 95 
31,895 00 



$350,073 98 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 
Perpetual risks (included above), 



$47,312,339 00 
37,473,084 00 



. $84,785,423 00 
. 35,043,426 00 



.$49,741,997 00 
. 1,218,307 00 

.$48,523,690 00 
. $4,409,319 00 



Premiums. 

$568,477 18 
376,387 98 

$944,865 16 
341,740 10 



$003,125 06 
12,900 51 

$590,224 55 
$125,054 53 



Miscellaneous. 

Premiums received from organization of company, . 

Losses paid from organization of company, 

Cash dividends declared from organization of company, 

Dividends declared during the year (24 per cent.), . 

Fire losses incurred during the year, ... 

Marine and inland losses incurred during the vear, . 

Company's stock owned by directors, .... 



^6,119,523 00 

2,650,651 39 

909,196 00 

72,000 00 

127,186 74 

3,639 63 

96,500 00 



GLENS FALLS INSURANCE COMPANY, GLENS FALLS, N. Y. 

[Incorporated May, 1849. Commenced business May, 1850.] 

Paid-up Capital, $200,000. 

R. M. Little, President. J. L. Cunningham, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 

Union Pacific Railroad bonds, 
N. Y. Central and Hudson Riv. R.R. bonds, 
New York and Harlem Railroad bonds, 
First National Bank stock (Glen Falls), . 



Par value. 
$560,000 00 
50,000 00 
50,000 00 
37,000 00 
10,000 00 



Market value. 

$656,850 00 
57,000 00 
65,125 00 
48,100 00 
15,000 00 



$707,000 00 $842,075 00 



240 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets, Dec. 31, 1883. 



Cash value of unencumbered real estate, . 
Loans on mortfge of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, 
Cash deposited in bank, 
Premiums in course of collection (gross), 
Gross assets,f .... 



$19,700 00 

340,647 37 

1,542 53 

842,075 00 

2,947 20 

85,483 86 

31,215 75 



,323,611 71 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, 
Less reinsurance, . . 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks 

Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



123,444 28 

12,628 50 

5,200 00 

$41,272 78 
3,482 50 

$37,790 28 

418,587 05 

4,682 36 



Surplus over capital, 



461,059 69 

$862,552 02 
200,000 00 

$662,552 02 



Income. 

Cash received for fire premiums, . . $549,762 51 
Deduct reinsurance and return premiums, . 64,144 04 

Net cash received for fire premiums, . . $485,618 47 

Interest received on bonds and mortgages, . . . 17,490 56 

Interest and dividends received from all other sources, . - 35,550 48 

Income from rents, '. . 225 00 

Income from all other sources, 36 80 

Gross cash income, $538,921 31 



* Value of lands mortgaged $390,125 00 

Value of buildings thereon 366,975 00 

Amount of insurance held as collateral, . 275,225 00 
f Including $200,000 special reserve fund held under New York law. 



1883.] 



INS. COS. OF OTHER STATES. 



241 



Expenditures. 

Cash paid for fire losses, .... $269,496 71 
Deduct salvage and reinsurance, . . 10,842 62 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, . . . 

Gross cash expenditures, .... 
Risks and Premiums. 



$258,654 09 
20,000 00 
92,005 37 
33,823 14 
13,485 57 
34,683 04 

$452,651 21 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



Premiums. 

1,367,512 00 $655,936 39 
. 54,897,709 00 560,997 37 



$123,265,221 00 $1,216,933 76 
. 43,021,448 00 417,705 10 



,243,773 00 $799,228 66 
1,597,035 00 21,648 20 



. $78,646,738 00 $777,580 46 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, . . 



^5,573,997 45 

3,019,826 87 

330,000 00 

20,000 00 

271,093 34. 

72,180 00 



GREAT WESTERN INSURANCE COMPANY, NEW YORK, N. Y, 

[Incorporated September, 1855. Commenced business October, 1855.} 

Paid-up Capital, $662,080. 

Ferdinand Motz, President. Wm. T. Lockwood, Secretary. 

Summary of Assets, Dec. 31, 1883. 

United States bonds, $796,900 00 

Cash in the office of the company, . . 205 35 
Cash deposited in bank and with English 

bankers, . . . . . . . 46,927 05 

Premiums in course of collection (net), . 86,801 49 

Notes taken for marine and inland risks, . 55,618 54 

Gross assets, .'..... $986,452 43 



242 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, . 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
Dividends to stockholders unpaid, 
Due for borrowed money, . 
Reinsurance due, . . . . 
Accounts due, . . . . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, ...... 



$11,530 00 
84,841 69 
52,500 00 

$148,871 69 
34,720 00 

$114,151 69 

74,743 68 

2,600 00 

5,928 51 

1,646 80 

100,000 00 

6,636 70 

265 70 



Surplus over capital, 



$305,973 08 

$680,479 35 
662,080 00 

$18,399 35 



Income. 

Cash rec'd for marine and inland premiums, $507,452 87 
Deduct reinsurance and return premiums, . 129,562 64 

Net cash rec'd for marine and inland prem 1 s, $377,890 23 

Interest and dividends received from all sources, . . 26,957 54 

Gross cash income, $404,847 77 



Expenditures. 

Cash paid for marine and inland losses, . $361,204 84 
Deduct salvage and reinsurance, . . 58,187 55 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for redemption of scrip, 

Interest paid scrip-holders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 



^303,017 29 

46,288 20 

130 00 

16 32 

39,646 95 

37,512 44 

4,118 55 



Gross cash expenditures, 



$430,729 75 



1883.] INS. COS. OF OTHER STATES. 



243 



Marine risks outstanding Dec. 31, 1882, 
written during 1883, 



Risks and Premiums. 

Premiums. 

$6,046,756 00 $65,927 00 
44,054,243 00 535,607 37 



Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$50,100,999 00 $601,534 37 
42,996,637 00 516,236 29 



,104,362 00 $85,298 08 
879,147 00 10,554 40 



,225,215 00 $74,743 68 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (7 per cent.), 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$37,787,443 00 

. 26,599,741 08 

2,965,085 00 

46,345 60 

420,033 84 

202,440 00 



GREENWICH INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated May 5, 1834. Commenced business Jan. 1, 1835.] 

Paid-up Capital, $200,000. 

Samuel C. Harriot, President. Mason A. Stone, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 

District of Columbia bonds, 
Harlem River and Pt. Chester R. R. bonds, 
N. Y. Cent, and Hudson River R. R. bonds, 
700 shares National Broadway Bank, . 



Par value. 

$255,000 00 

125,000 00 

10,000 00 

20,000 00 

17,500 00 



Market value. 

$309,581 25 

138,750 00 

12,600 00 

20,600 00 

46,375 00 



$427,500 00 $527,906 25 



Securities held as collateral for cash loans : — 

Market value. Loaned thereon 

Chicago and Alton Railroad, . . . $2,600 00 $1,800 00 

Union Pacific Railroad bonds, . . . 2,340 00 2,000 00 

40 shares Williamsburgh City Fire Ins. Co., 4,120 00 3,200 00 

5 " American Exch. Fire Ins. Co., . 550 00 400 00 

50 " Bowery National Bank, . . 7,500 00 5,000 00 

28 " Phenix Insurance Co., . . 2,100 00 1,200 00 



244 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



St. Louis and Iron Mt. Railroad bonds, 
Chicago, Mil. and St. Paul R. R. bonds, 
St. L., Kan. City and Northern R. R. bonds 
200 shares Central Gas Light Co., 
87 " William sburgh Gas Light Co., 
50 " Jersey City Insurance Co., 
Central Gas Light Co. cert., 
100 shares Chic, Rock Isl'd and Pac. R.R. 
200 " Central Pacific R. R., 
200 " Chicago, Mil. and St. Paul R. R. 
200 " Delaware and Hudson Canal, 
100 " Chic, Rock IsPd and Pac R. R. 
200 " Chic, Burl, and Quincy R. R., 
St. Louis, Kan. City and North'nR.R. bonds 
Kansas Pacific R. R. bonds, 
Chicago, Mil. and St. Paul R. R. bonds, 
Northern Pacific R. R. bonds, 
Chicago, Burlington and Quincy R.R. bonds 



Par value. 
$5,350 00 \ 
6,050 00 I 
2,200 00 J 
8,500 00^1 



Market value. 



$11,550 00 



5,000 00 



2,500 00 
6,000 00 j 
11,700 00 
13,400 00 ^ 
23,000 00 j 
21,000 00 
11,700 00 
24,000 00 
2,180 00 
2,000 00 
18,000 00 
15,300 00 
6,400 00 



} 17,500 00 



4,000 00 



y 110,000 oo 



Summary of Assets, Dec. 31, 1883. 
Cash value of unencumbered real estate, . 
Loans on mortg'e of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, .... 
Premiums in course of collection (gross), . 
Rents due and accrued, .... 
Prems. more than 3 mos. due, $11,346 64 
Gross assets, 



$203,490 00 $156,650 00 


31, 1883. 


$175,000 00 


26,500 00 


270 00 


527,906 25 


156,650 00 


5,545 91 


51,649 84 


1,444 90 


63,080 47 


1,458 33 

«1 nno *nn 70 



Liabilities. ' 



Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, . 

Net amount of unpaid losses, 



,483 11 

18,800 00 

15,330 00 

13,613 11 

7,550 00 



,063 11 



* Value of lands mortgaged $60,000 00 

Value of buildings thereon, .... 28,000 00 
Amount of insurance held as collateral, . . 22,000 00 



1883.] 



INS. COS. OF OTHER STATES. 



245 



Unearned premiums on outstanding risks, 
State and local taxes, . . . 
Commissions and brokerage, 
Return premiums, .... 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$422,330 06 

2,000 00 

14,000 00 

300 00 



Surplus over capital, 



Income. 

Cash received for fire premiums, . . $608,424 63 
Deduct reinsurance and return premiums, . 33,847 24 

Net cash received for fire premiums, . . 

Cash rec'd for marine and inland premiums, $69,293 91 
Deduct reinsurance and return premiums, . 6,233 59 

Net cash rec'd for marine and inland prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, . . 

from return taxes, 



Gross cash income, .... 

Expenditures. 

Cash paid for fire losses, .... $287,542 42 
Deduct salvage and reinsurance, . . 9,612 66 

Net cash paid for fire losses, . . . 

Cash paid for marine and inland losses, . $63,174 57 
Deduct salvage and reinsurance, . . 11,150 73 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees 

for State and local taxes, . 

for incidentals, .... 

Gross cash expenditures, 



$544,693 17 

$464,812 53 
200,000 00 

$264,812 53 



$574,577 39 



63,060 32 

1,568 28 

24,333 54 

13,053 19 

670 73 



$677,263 45 



$277,929 76 



52,023 84 

60,000 00 

146,910 72 

39,311 67 

8,207 18 

26,535 53 

,918 70 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$116,203,888 00 

131,742,320 00 

$247,946,208 00 

. 93,407,545 00 

$154,538,663 00 

. 1,193,879 00 



Premiums. 

$523,665 74 
622,144 26 

1,145,810 00 
405,522 16 

$740,287 84 
10,483 73 



$153,344,784 00 $729,804 11 



246 FIKE, MARINE, AND FIRE-MARINE [Dec. 31, 



Perpetual risks, not included above, . 

Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . . 



150,000 00 

$1,645,242 00 
32,154,247 00 



$33,799,489 00 
31,627,573 00 



12,171,916 00 
22,000 00 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (30 per cent.), . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



Premiums. 

$1,035 00 

$37,963 82 
77,014 43 

&114,978 25 
69,107 22 

$45,871 03 
610 00 



$2,149,916 00 $45,261 03 



^4,779,242 13 

2,282,691 14 

1,818,000 00 

60,000 00 

296,669 00 

69,644 02 

80,350 00 



GUARDIAN FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated February, 1865. Commenced business February, 1865.] 

Paid-up Capital, $200,000. 

William C. Thompson, President. Walteu K. Paye, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 



District of Columbia bonds, 

Harlem River and Pt. Chester R. R. bonds, 



Par value. Market value. 

$200,000 00 $228,000 00 
15,000 00 18,750 00 



$215,000 00 $246,750 00 



Summary of Assets, Dec. 31, 1883. 



Loans on mort'ge of real estate (first liens*), 
Interest due or acccued thereon, . 
Stocks, bonds, etc., as per schedule, 
Cash deposited in bank, 
Premiums in course of collection (gross), 
Gross assets, 



$5,500 00 

165 00 

246,750 00 

3,212 95 

5,187 06 



$260,815 01 



* Value of lands mortgaged, . $8,000 00 

Value of buildings thereon, .... 10,000 00 
Amount of insurance held as collateral, . . 12,000 00 



1883.] 



INS. COS. OF OTHER STATES. 



247 



Liabilities. 

Losses claimed and reported, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Due for borrowed money, . 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$4,300 00 
29,028 75 

500 00 
11,800 00 

500 00 



Surplus over capital, 



$46,128 75 

$214,686 26 
200,000 00 

$14,686 26 



Income. 

Cash received for fire premiums, . . $67,043 21 
Deduct reinsurance and return premiums, . 10,580 43 

Net cash received for fire premiums, . . $56,462 78 

Interest received on bonds and mortgages, . . . 240 00 

Interest and dividends received from all other sources, . 8,200 00 

Income from all other sources, 482 69 

Borrowed money, . . . ' . . $6,000 00 

Gross cash income, . . . . . . . $65,385 47 



Expenditures. 

Cash paid for fire losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, . 



$39,820 84 

13,227 96 

10,590 05 

1,103 29 

7,453 45 

$72,195 59 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 
$14,252,462 00 $68,326 53 
11,330,200 00 67,070 74 



Total, . 
Deduct risKs expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



$25,582,662 00 $135,397 27 
15,501,998 00 74,627 35 



,080,664 00 $60,769 92 
379,215 00 2,980 88 



Net amount in force, . 



),701,449 00 $57,789 04 



248 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$1,461,334 00 

903,193 00 

221,000 00 

33,798 00 

98,000 00 



HANOVER FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April, 1852. Commenced business April, 1852.1 

Paid-up Capital, $1,000,000. 

Benj. S. Walcott, President.. I. Remsen Lane, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Connecticut State bonds, 
Missouri State bonds, . 
Brooklyn city bonds, . 
New York and Harlem R.R. bonds, 
Erie R.R. Company bonds, 
Union Pacific R.R. bonds, 
Cairo and Fulton R.R. bonds, 
Pacific R.R. of Missouri bonds, . 
New York Elevated R.R. bonds, . 
Kansas Pacific R.R. bonds, . 
Richmond and Allegheny R.R. bonds, 
Flint and Pere Marquette R.R. bonds, . 
Chicago, Mil. and St. Paul R.R. bonds, 
Chicago, Burl, and Quincy R. R. bonds, 
Norfolk and Western R.R. bonds, 
100 shares Rensselaer and Saratoga R.R., 
75 " Metropolitan National Bank, 
150 " American Exch. National Bank, 
100 " Central Trust Company, . 



Par value. 

,325,000 00 
20,000 00 
27,000 00 
50,000 00 
25,000 00 
50,000 00 
75,000 00 
25,000 00 
25,000 00 
20,000 00 
50,000 00 
25,000 00 
30,000 00 
25,000 00 
25,000 00 

5,000 00 
10,000 00 

7,500 00 
15,000 00 
10,000 00 



Market value. 

$1,595,230 00 
21,000 00 
29,090 00 
62,350 00 
32,625 -00 
63,875 00 
88,125 00 
27,500 00 
26,625 00 
24,200 00 
48,000 00 
17,500 00 
32,587 50 
24,093 75 
22,687 50 
5,200 00 
14,600 00 
11,175 00 
19,050 00 
30,000 00 



$1,844,500 00 $2,195,513 75 



Securities held as collateral for cash loans : — 



25 shares Hanover National Bank, 
Michigan So. and No. Ind. R.R. bonds, 



Market value. Loaned thereon. 

$3,775 00 $1,500 00 
5,225 00 4,000 00 



1,000 00 $5,500 00 



1883.] INS. COS. OF OTHER STATES. 



24 l J 



Summary op Assets, Dec. 31, 1883. 

Loans on mort'ge of real estate (first liens*), $199,750 00 

Interest due or accrued thereon, . . . 873 74 

Stocks, bonds, etc., as per schedule, . . 2,195,513 75 

Loans on collateral security, as per schedule, 5,500 00 

Cash in the office of the company, . . 24,941 40 

Cash deposited in bank, .... 86,369 19 

Interest due and accrued, .... 9,860 84 

Premiums in course of collection (gross), . 135,401 25 
Premiums more than 3 mos. due, $615 45 

Gross assets, $2,658,210 17 

Deduct special deposits in other States, . . . . 148,550 00 



Balance, 



$2,509,660 17 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, 
Less reinsurance, . 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Commissions and brokerage, 

Gross liabilities, except capital, . 
Deduct liabilities on special deposits, . 



Surplus as regards policy-holders, 
Paid-up capital, 



$27,430 01 
71,006 01 
26,609 95 

$125,045 97 
1,314 19 

$123,731 78 

757,220 26 

1,000 00 

$881,952 04 
42,763 14 



Surplus over capital, 



839,188 90 

11,670,471 27 
1,000,000 00 

$670,471 27 



Income. 

Cash received for fire premiums, . . $1,255,646 42 
Deduct reinsurance and return premiums, . 118,895 90 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 
Interest and dividends received from all sources, 

Gross cash income, 



- $1,136,750 52 
10,593 40 
93,333 70 

. $1,240,677 62 



* Value of lands mortgaged $184,000 00 

Value of buildings thereon 249,000 00 

Amount of insurance held as collateral, . . 200,950 00 



250 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 
Cash paid for fire losses, .... $655,614 69 
Deduct salvage and reinsurance, . . 9,537 30 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, .... 

Gross cash expenditures, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, . . . . . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$129,268,461 00 

125,759,176 00 

$255,027,637 00 

114,647,799 00 

$140,379,838 00 

2,226,677 CO 



$646,077 39 

100,000 00 

178,191 97 

55,345 55 

31,565 96 

174,007 83 

1,185,188 70 



Premiums. 

^1,353,327 63 
1,257,725 39 

52,611,053 02 
1,128,491 00 

51,482,562 02 
16,024 47 



$138,153,161 00 $1,466,537 55 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from, organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$14,004,848 17 
7,408,849 68 
1,309,500 00 
100,000 00 
640,172 77 
186,300 00 



HARTFORD FIRE INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated May, 1810. Commenced business August, 1810.] 

Paid-up Capital, $1,250,000. 

George L. Chase, President. C. B. Whiting, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

Hartford Nat'l Bank, Hartford, . . . $51,100 00 $91,980 00 

Phoenix Nat'l Bank, Hartford, . . . 46,700 00 81,725 00 

Connecticut River Bank, Hartford, . . 5,000 00 5,000 00 

American Nat'l Bank, Hartford, . . 15,000 00 22,500 00 

Charter Oak Natl Bank, Hartford, . . 20,000 00 29,600 00 

Farmers' and Mechanics 1 N'l Bank, Hartford, 18,200 00 22,750 00 

Mercantile Nat'l Bank, Hartford, . . 15,000 00 18,750 00 

First Nat'l Bank, Hartford 17,200 00 20,124 00 



1883.] INS. COS. OF OTHER STATES. 



251 



JEtna Nat'l Bank, Hartford, 

City Nat'l Bank, Hartford, . 

Conn. Trust and Safe Deposit Co., Hartford 

American Exchange Nat'l Bank, New York 

National Bank of Commerce, New York* 

Importers 1 and Traders' N'l B'k, New York 

Bank of America, New York, 

Manhattan Company Bank, New York, 

Merchants' Nat'l Bank, New York, 

Union Nat'l Bank, New York, . 

Bank of North America, New York, 

Metropolitan Nat'l Bank, New York, 

Blackstone Nat'l Bank, Boston, . 

Nat'l Bank of Commerce, Boston, 

Second Nat'l Bank, Boston, . 

Hide and Leather Nat'l Bank, Boston 

Atlantic Nat'l Bank, Boston, 

First Nat'l Bank, Boston, 

Boylston Nat'l Bank, Boston, 

Merchants' Bank (in liquidation), St. Louis 

Union Nat'l Bank, Albany, . 

First National Bank, Albany, 

Montreal Bank, Montreal, . 

Ontario Bank, Bowmansville, 

Connecticut River Company. 

Connecticut River Railroad Company, 

N. Y., New Haven and Hartford R.R. Co., 

Chicago, Rock Island and Pacific R. R. Co. 

Chicago and N. Western R.R. Co. preferred 

Chicago and North Western R. R. Co., 

Chicago, Burlington and Quincy R. R. Co. 

Chicago, Milwaukee and St. Paul R. R. Co. 

Union Pacific R. R. Co., 

United States bonds, . 

Tennessee State bonds, 

Alabama State bonds, Class A, 

South Carolina consols, 

Toledo, Ohio, water works bonds, 

Harlem Riv and Pt Chester R R. Co., guar. 

New Brunswick, N. J., city bonds, 

Pawtucket, R. I., town bonds, 

Dubuque, Iowa, city bonds, 

Des Moines, Iowa, city bonds, 

Chicago and Western Indiana R. R. bonds 

Minnesota Union Railway bonds, 

Minnesota State bonds, 



Par value. 

$31,500 00 
20,800 00 
23,000 00 
20,000 00 
10,000 00 
30,000 00 
30,000 00 
10,000 00 
16,700 00 

8,000 00 

7,000 00 
22,500 00 
10,600 00 

3,200 00 
10,900 00 

2,400 00 

3,900 00 
10,000 00 
12,500 00 
10,000 00 

6,200 00 

5,000 00 
30,000 00 

6,500 00 
12,000 00 

2,000 00 
70,000 00 
20,000 00 
20,000 00 
40,000 00 
60,000 00 
40,000 00 
20,000 00 
205,000 00 
33,000 00 
10,000 00 
14,500 00 

5,000 00 
50,000 00 
45,000 00 
75,000 00 
25,000 00 
50,000 00 
75,000 00 
50,000 00 

3,000 00 



Market value. 

$40,320 00 

18,512 00 

28,060 00 

26,000 00 

15,200 00 

80,400 00 

47,400 00 

15,800 00 

21,543 00 

13,840 00 

7,490 00 

33,637 50 

10,706 00 

3,712 00 

16,786 00 

2,700 00 

6,006 00 

19,600 00 

14,625 00 

1,400 00 

7,750 00 

8,500 00 

52,950 00 

6,630 00 

3,000 00 

3,360 00 

126,000 00 

23,800 00 

28,800 00 

46,850 00 

72,150 00 

37,550 00 

15,000 00 

235,493 75 

13,200 00 

8,300 00 

15,225 00 

6,000 00 

65,000 00 

47,700 00 

90,000 00 

27,500 00 

55,000 00 

82,500 00 

53,000 00 

3,000 00 



$1,453,400 00 $1,850,425 25 



252 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans : — 



1000 shares N. Y., L. E. and Western R.R. 
Ft. Worth and Denver City R. R. bonds, 
Texas Pacific and Rio G. Div. R. R. bonds 
Wabash, St. Louis and Pacific R.R. bonds, 
Texas and Pacific R. R. bonds, . 
St. L., Kansas City and Northern R R. bonds 
50 shares Travelers 1 Insurance Company, 
80 " P. and h\ Corbin Corp'n, . 
Little Rock, Miss. River and Texas R.R. b'ds 

600 shares N.Y., Lake E. and Western R.R 
1300 " Del , Lacka. and Western R.R. 
33 " iEtna Insurance Company, 

100 " Chicago, R. I. and Pacific R.R. 
Wabash Railroad bonds, 
100 shares N. Y. Cent'l and Hud. River R R 
Wabash, St. Louis and Pacific »R R. bonds, 
Cincinnati and Springfield R.R. bonds, 
Indianapolis and Cincinnati R.R. bonds, 
344 shares Citizens 1 Railroad, 



Market value. 

$73,000 00 

17,000 00 

11,175 00 

44,850 00 

44,175 00 

27,250 00 

15,000 00 

3,600 00 

19,800 00 

16,200 00 

76,050 00 

7,326 00 

11,700 00 

60,200 00 

11,150 00 

34,500 00 

1,100 00 

3,300 00 

40,592 00 



Loaned thereon. 



}> $195,000 00 



26,000 00 



100,000 00 



J 



50,000 00 



J> 45,000 00 



33,000 00 



$517,968 00 $449,000 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $664,675 60 

Loans on mort'ge of real estate (first liens*), 968,090 28 

Interest due or accrued thereon, . . . 17,682 66 

Stocks, bonds, etc., as per schedule, . . 1,850,425 25 

Loans on collateral security, as per schedule, 449,000 00 

Cash in the office of the company, . . 2,786 48 

Cash deposited in bank, .... 220,546 55 

Interest due and accrued, . . . 7,485 84 

Premiums in course of collection (gross), . 341,095 73 

Rents due and accrued, . . . . 6,096 48 

Non-resident tax due, ..... 13,354 95 

Gross assets, . 

Deduct special deposits in other States, .... 



Balance, 



Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 



1,541,239 82 
253,346 65 

t,287,893 17 



$73,196 57 

152,877 00 

33,908 50 



* Value of lands mortgaged, .... $1,100,000 00 

Value of buildings thereon 1,312,000 00 

Amount of insurance held as collateral, . 824,000 00 



1883.] INS. COS. OF OTHER STATES. 



253 



Unearned premiums on outstanding risks, . $1,661,661 84 
Commissions and brokerage, . . . 36,000 00 



Gross liabilities, except capital, . . $1,957,643 91 
Deduct liabilities on special deposits, . . 145,427 70 



,812,216 21 



Surplus as regards policy-holders, .... $2,475,676 96 
Paid-up capital 1,250,000 00 



Surplus over capital, 



. $1,225,676 96 



Income. 

Cash received for tire premiums, . . $2,607,999 22 
Deduct reinsurance and return premiums, . 303,561 05 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 



Gross cash income, 



>,304,438 17 

65,882 96 

121,428 51 

29,448 62 

>,521,198 26 



Expenditures. 

Cash paid for fire losses, .... $1,425,483 10 
Deduct salvage and reinsurance, . . 47,766 55 

Net cash paid for fire losses, . . . . 

Cash dividends paid, ...... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, ..... 

Gross cash expenditures, .... 



:,377,716 55 
250,000 00 
343,445 30 
126,780 84 
35,511 65 
200,338 15 

2,333,792 49 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 
$237,918,572 00 $2,797,566 39 
. 215,994,435 00 2,607,999 22 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



$453,913,007 00 $5,405,565 61 
. 181,963,369 00 2,091,647 64 



$271,949,638 00 $3,313,917 97 
. 7,832,493 00 120,599 22 



Net amount in force, 



$264,117,145 00 $3,193,318 75 



254 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent.), . 
Fire losses incurred during the year, . 
Company's stock owned by directors, . . . 



$43,381,499 55 
. 27,187,630 69 
. 4,813,100 00 

250,000 00 
. 1,397,154 45 

214,000 00 



HOME INSURANCE COMPANY NEW YORK, N. Y. 

[Incorporated April, 1853. Commenced business April 13, 1853.] 

Paid-up Capital, $3,000,000. 

Charles J. Martin, President. John H. Washburn, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
Mississippi State bonds, 
Ohio and West Virginia Railroad bonds, 
Peoria, Decatur and Evansville R.R. bonds 
Delaware and Hudson Canal Co. bonds, 
N. Y., Chicago and St. Louis R.R. bonds, 
Clev., Col., Cinn. and Incl. Railroad bonds 
Rochester and Pittsburg R. R. bonds, 
N. Y., Lake Erie and Western R.R. bonds 
Louisville, N. Albany and Chic. R.R. bonds 
Dunkirk, Warren and Pittsburg R.R. bonds 
Pittsburg, Ft. Wayne and Chic, R.R. bonds 
1000 shares N. Y. Central and H. R. R R., 
1000 " Ft. Wayne and Jackson R.R., 
100 " Hanover National Bank, . 
200 " American Exch'ge Nat'l Bank 
80 " Fourth National Bank, . 
125 " St. Nicholas National Bank, 
225 " Metropolitan National Bank, 
200 " Mercantile National Bank, 
300 " Merchants' Exch 1 ge Nat. Bank 
160 " Chatham National Bank, . 
200 " Nat'l Bank of the Republic, 
100 " National Bank of Commerce, 
150 " Nat'l Butch, and Drov. Bank, 
200 " Bank of America, . 
200 " Manhattan Company, 



Par value. 

$3,621,000 00 

20,000 00 

94,000 00 

50,000 00 

100,000 00 

100,000 00 

100,000 00 

100,000 00 

200,000 00 

100,000 00 

75,000 00 

87,000 00 

100,000 00 

100,000 00 

10,000 00 

20,000 00 

8,000 00 

12,500 00 

22,500 00 

20,000 00 

15,000 00 

4,000 00 

20,000 00 

10,000 00 

3,750 00 

20,000 00 

10,000 00 



Market value. 

$3,945,620 00 

20,000 00 

109,980 00 

50,000 00 

117,000 00 

101,500 00 

118,000 00 

91,000 00 

214,000 00 

100,000 00 

87,000 00 

89,610 00 

111,875 00 

95,000 00 

15,100 00 

25,600 00 

10,240 00 

16,000 00 

33,750 00 

23,600 00 

14,250 00 

5,600 00 

23,000 00 

15,100 00 

5,250 00 

31,000 00 

15,600 00 



|5,022,750 00 $5,484,675 00 
Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

227 shares Union Trust Co., . . . $78,315 00 $20,000 00 
11 " National Bank Commerce, . 1,661 00 1,000 00 



1883.] 



INS. COS. OF OTHER STATES. 



255 



260 shares Chatham National Bank, . 
310 " National Bank of Republic, 
Pittsburg, Bradford and Buffalo R.R. bonds 

15 shares National Bank of Republic, 
Pittsburg, Ft. Wayne and Chic. R,R. bonds 
Houston and Texas Central R.R. bonds, 

3 shares New York Nat'l Exchange Bank 
25 " National Bank of Republic, 

8 " Morris and Essex Railroad, 
Bayonne City Bonds, .... 
Jersey City bonds, .... 
40 shares Corn Exchange Bank, 
Norfolk and Petersburg Railroad bonds, 
Union and Logansport Railroad bonds, 
Columbus and Indiana Cent'l R. R. bonds, 
Fonda, Johnst'n & Gloversville R R. bonds 

2 shares National Bank of Commerce, 
200 " Broadway Bank, 
800 " Brooklyn City Railroad, . 
130 " Manhattan Gas Light Co , . 
125 " 42d St. and Grand St. Ferry R.R 
400 shares Long Island Bank, 

20 " Merchants 1 Exch. Nat'l Bank, 

20 " Western Union Telegraph Co., 
Buffalo, N. Y. and Phila. Railroad bonds, 
Louisville, N. Albany and Chic. R.R. bonds 
8-10 shares Chatham National Bank, , 

32 " National Bank of Republic, 
Missouri Pacific Railroad bonds, 

15 shares National Bank of Republic, 
180 " Safe Deposit Co., 
Clev., Youngstown and Pittsb'g R.R. bonds 
Canada Southern Railroad bonds, 
Mo., Kansas and Texas R. R. bonds, . 
International and Gt. Northern R R. bonds 
United States bonds, .... 
Chic, Rock Island and Pacific R. R. bonds 
Houston and Texas Railroad bonds, . 
Delaware and Hudson Canal bonds, . 
Central Railroad of N. J. bonds, . 
Erie Railroad bonds, .... 
Texas and Pacific Railroad bonds, 
Oregon Short Line Railroad bonds, 
Cairo and Fulton Railroad bonds, 

16 shares United Railroad of New Jersey, 
30 " New York Cent'l and H. R. R R., 
New York, L. E. and Western R.R. bonds, 



Market value. 

$9,100 00 

35,650 00 

6,400 00 

1,725 00 

1.355 00 
1,080 00 

330 00 

2,875 00 

488 00 

9,500 00 

1,050 00 

6,600 00 

1,150 00 

1,170 00 

1,170 00 

63,250 00 

302 00 

12,500 00 

17,280 00 

16,900 00 

32,500 00 

23,000 00 

950 00 

1,480 00 

10,000 00 

5,000 00 

29,400 00 

3,680 00 

45,200 00 

1,725 00 

5,625 00 

31,500 00 

4,900 00 

2,915 00 

3,240 00 

7,095 00 

5,160 00 

6,635 00 

3,440 00 

10,310 00 

2,160 00 

715 00 

907 50 

1,090 00 

3,104 00 

3.356 25 
8,720 00 



Loaned thereon. 

$6,500 00 
35,000 00 

1,000 00 
1,000 00 

600 00 

250 00 
2,500 00 

100 00 
5,000 00 

900 00 

[ 7,700 00 

) 

45,000 00 
200 00 

i 

\ 40,000 00 



) 



20,000 00 

250 00 

6C0 00 

13,000 00 

24,000 00 

3,200 00 

40,000 00 

4,500 00 

25,000 00 



> 50,000 00 



256 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Missouri, Kansas and Texas R.R. bonds, . 
Ft. Worth and Denver City Railroad bonds, 
New Orleans Pac. Railroad bonds, 
Texas and Pacific Railroad bonds, 

65 shares Continental Insurance Co., 
400 " Northern Pacific Railroad Co., 
Louisville, N. Albany and Chic. R.R. bonds 
18 shares National Bank of Republic, 

65 " American Exch. Nat'l Bank, 

50 " National Park Bank, . 

10 " Fourth National Bank, 



$24,000 00 ^ 

17,250 00 

10,560 00 

7,150 00 j 

16,250 00 

9,650 00 

1,000 00 

2,070 00 

8,320 00 

8,050 00 

1,280 00 



} $50,000 00 



} 



12,000 00 

850 00 
1,500 00 

15,000 00 



$629,238 75 $426,650 00 



Summary of Assets, Dec. 31, 1883. 
Cash value of unencumbered real estate, . $62,918 25 
Loans on mortfge of real estate (first liens*), 1,172,152 44 



Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule 
Cash deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (net), 
Notes taken for fire risks, . 

Gross assets, ..... 
Deduct special deposits in other States, 



Balance, 



27,775 25 

5,484,675 00 

426,650 00 

108,048 52 

31,462 58 
121,484 44 

53,478 11 



',488,644 59 
198,600 00 

',290,044 59 



Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 

Less reinsurance, ..... 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

State and local taxes, . . 

Gross liabilities, except capital, . 
Deduct liabilities on special deposits, . 



Surplus as regards policy-holders, 
Paid-up capital, 



$53,608 85 

239,728 30 

30,879 89 

$324,217 04 
3,840 00 

$320,377 04 

2,497,634 00 

7,500 00 

£2,825,511 04 
109,702 94 



Surplus over capital, 



- $2,715,808 10 

. 4,574,236 49 
. 3,000,000 00 

. $1,574,236 49 



* Value of lands mortgaged $1,543,250 00 

Value of buildings thereon, .... 1,269,050 00 
Amount of insurance held as collateral, . • 969,850 00 



1883.] 



INS. COS. OF OTHER STATES. 



257 



Income. 

Cash received for fire premiums, . . $3,386,759 46 
Deduct reinsurance and return premiums, . 224,475 08 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 



1,162,284 38 

68,651 46 

205,789 14 

5,436,724 98 



Expenditures. 



$1,780,310 08 
11,153 67 



Cash paid for fire losses, 
Deduct salvage and reinsurance, 

Net cash paid for fire losses, . . . $1,769,156 41 

Cash dividends paid, 300,000 00 

Cash paid for commissions and brokerage, . . . 556,200 03 

for salaries of officers and employees, . . 291,346 76 

for State and local taxes, 71,159 25 

for incidentals, 244,176 53 

Gross cash expenditures, $3,232,038 98 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1882, . $372,341,260 00 $4,089,212 00 
written during 1883, . . 313,347,287 00 3,459,544 38 



Total, $685,688,547 00 $7,528,756 38 

Deduct risks expired and terminated, 267,106,518 00 2,831,762 38 



In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$418,582,029 00^ $4,696,994 00 
341,483 00 ' 4,155 00 



$418,240,546 00 $4,692,839 00 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$59,293,265 85 

35,932,860 95 

6,115,000 00 

300,000 00 

1,812,841 58 

269,400 00 



258 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 
HOWARD INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated March 9, 1825. Commenced business April 19, 1825.] 
Paid-up Capital, $500,000. 
Henry A. Oakley, President. Charles A. Hull, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
New York city and county bonds, 
Delaware and Hudson Canal Co. bonds, 
United N. Jersey R.R. and Canal Co. bonds, 
Buffalo, B., and Pittsburg Railroad bonds, . 
Lake Erie and Western Railroad bonds, 
Kalamazoo and South Haven R R. bonds, . 
National Bank of Commerce (N. Y.) stock, 
Metropolitan National Bank (N. Y.) stock, 
American Ex. Nat'l Bank (N. Y.) stock, 
Merchants' Ex. Nat'l Bank (N. Y.) stock, 
Bank of the Manhattan Co (N. Y.) stock, 
Phoenix National Bank (N. Y.) stock, 
Manhattan Gas Light Company stock, 
New York Gas Light Company stock, 



Par value. 

$383,000 00 

15,000 00 

10,000 00 

4,000 00 

11,000 00 

3,000 00 

6,000 00 

2,800 00 

7,500 00 

16,000 00 

650 00 

1,500 00 

2,800 00 

2,500 00 

5,000 00 



Market value. 

$485,140 00 

16,500 00 

11,400 00 

4,800 00 

12,320 00 

2,820 00 

7,200 00 

4,256 00 

11,100 00 

20,480 00 

825 00 

2,400 00 

2,912 00 

6,500 00 

7,250 00 



$470,750 00 $595,903 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $125,000 00 

Loans on mortg'e of real estate (first liens*) , 15,700 00 

Interest due or accrued thereon, . . . 412 50 

Stocks, bonds, etc., as per schedule, . . 595,903 00 

Cash in the office of the company, . . 1,142 41 

Cash deposited in bank, .... 10,582 87 

Interest due and accrued, .... 2,512 50 

Premiums in course of collection (gross), . 40,077 82 

Rents due and accrued, .... 416 67 

Return taxes due, 225 16 

Due for reinsurance,! 44,778 17 

Gross assets, 



$836,751 10 



* Value of lands mortgaged, .... $25,00000 
Value of buildings thereon, .... 32,800 00 

Amount of insurance held as collateral, . 4,000 00 

t Deposited with New York Insurance Department, by and on account of La Confiance 
Insurance Company. 



1883.] 



INS. COS. OF OTHER STATES. 



259 



Liabilities. 






Losses adjusted, unpaid, . 


$53,197 62 




claimed and reported, 


23,997 49 




disputed or resisted, 


1,460 00 




Total amount of losses, 


$78,655 11 




Less reinsurance, . . . 


9,777 39 




Net amount of unpaid losses, 


$68,877 72 




Unearned premiums on outstanding risks, 


218,164 78 




Dividends to stockholders unpaid, 


1,018 50 




Commissions and brokerage, 


24,263 51 




Reinsurance due, 


5,288 09 




Gross liabilities, except capital, . 




$317,612 60 




Surplus as regards policy-holders, 


$519,138 50 


Paid up capital, 




500,000 00 


Surplus over capital, . 


$19,138 50 



Income. 

Cash received for fire premiums, . . $539,083 86 
Deduct reinsurance and return premiums, . 89,380 36 

Net cash received for fire premiums, . . $449,703 50 

Interest received on bonds and mortgages, . . . 931 54 

Interest and dividends received from all other sources, . 29,934 13 

Income from rents, 3,400 00 

from all other sources, 2,507 70 

Gross cash income, $486,476 87 



Expenditures. 

Cash paid for fire losses, .... $356,977 82 
Deduct salvage and reinsurance, . . 22,948 79 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for interest on borrowed money, 

for incidentals, 



$334,029 03 

13,981 50 

48,721 81 

40,204 25 

13,126 84 

1,367 64 

32,230 51 



Gross cash expenditures, 



$483,661 58 



260 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 

Total, ...... 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks outstanding Dec 31, 1882, 
Deduct risks expired and terminated, 



,$38,853,312 00 
. 56,527,225 00 


Premiums. 

$401,285 89 
547,831 15 


.$95,380,537 00 
. 49,600,173 00 


$949,117 04 
464,434 60 


. $45,780,364 00 
. 4,327,822 00 


$484,682 44 
42,504 50 


.$41,452,542 00 

$10,000 00 
10,000 00 


$442,177 94 

$650 00 
650 00 



Miscellaneous. 

Premiums received from March, 1836, 
Losses paid from organization of company, 
Cash dividends declared from March, 1836, 
Dividends declared during the year (3 per cent.), 
Fire losses incurred during the year, . 
Company's stock owned by directors, 



$7,958,035 83 

5,321,431 19 

2,170,875 00 

15,000 00 

350,133 22 

63,750 00 



PRESIDENT AND DIRECTORS OF THE INSURANCE COM- 
PANY OF NORTH AMERICA, PHILADELPHIA, PENN. 

[Incorporated April 14, 1794. Commenced business December, 1792.] 

Paid-up Capital, $3,000,000. 

Charles Platt, President. Greville E. Fryer, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Pennsylvania State bonds, 
New Jersey State bonds, 
Boston city bonds, 
Baltimore water bonds, 
Indianapolis city bonds, 
Hartford city bonds, 
Rochester city bonds, . 
Toledo city bonds, 
Cincinnati city bonds, . 



Par value. 

$35,000 00 

485,000 00 

47,000 00 

200,000 00 

200,000 00 

30,000 00 

45,000 00 

25,000 00 

21,000 00 

58,000 00 



Market value. 

$42,000 00 

582,000 00 

56,400 00 

240,000 00 

224,000 00 

33,600 00 

56,250 00 

33,750 00 

25,200 00 

75,400 00 



1883.] 



INS. COS. OF OTHER STATES. 



261 



Fall River city bonds, . 
Harrisburg city bonds, 
Providence city bonds, 
Newark city bonds, 
Cleveland city bonds, . 
Dayton city bonds, 
Burlington city bonds, 
Pennsylvania Railroad bonds, 
Philadelphia and Reading Railroad bonds, 
North Pennsylvania Railroad bonds, . 
Belvidere and Delaware Railroad bonds, 
Pennsyl. and N. Y. Canal and R.R. bonds, 
Lehigh Valley Railroad bonds, . 
Delaware Railroad bonds, . 
Phila., Wil. and Baltimore R.R. bonds, 
Delaware Division Canal Co. bonds, . 
Delaware and Raritan Canal, and Camden 
and Amboy R.R. and Transportation Co , 
Lehigh Coal and Navigation Co. bonds, 
Easton and Amboy Railroad bonds, . 
Louisville and Nashville Railroad bonds, 
Cramp & Sons' Dry Dock bonds, 
Philadelphia and Erie R.R. bonds, 
Chicago and West'n Indiana R.R. bonds, 
Belt R.R. and Stock Yard Co. bonds, . 
Bergen County Railroad bonds, . 
New York and Pacific Car Trust Co., . 
Car Trust of New York, 
Phila., Wil. and Baltimore R.R. bonds, 
New York and Long Branch R.R. bonds, 
100 shares Philadelphia National Bank, 
228 " Chesa. and Delaware Canal Co., 
50 " Sandy Hook, Quarantine and 
City Island Telegraph Company, . 

Insurance scrip, 

Baltimore Central Railroad bonds, 
Oil Creek Railroad bonds, . 
Delaware and Chesapeake R.R. bonds, 
New York, Lake E. and West'n R.R. bonds 
Steubenville and Ind. R.R. bonds, 
Corning, Cowanesque and A. R.R. bonds, 
New York, Chicago and St. Louis certs., 
New York, Lake E. and West'n R.R. bonds 
Terre Haute and Logansport R.R. bonds, 
Wrecking Boat " North America," 
Pennsylvania Car Trust Co., 



Par value. 

$30,000 00 
15,000 00 
25,000 00 
20,000 00 
30,000 00 
11,000 00 
12,000 00 

530,000 00 

355,000 00 
35,000 00 
50,000 00 
30,000 00 

125,000 00 
25,000 00 
39,000 00 
15,000 00 

11,000 00 

5,000 00 

63,000 00 

50,000 00 

25,000 00 

150,000 00 

150,000 00 

50,000 00 

50,000 00 

120,000 00 

81,000 00 

100,000 00 

150,000 00 

10,000 00 

11,400 00 

1,000 00 

51,390 00 

100,000 00 

50,000 00 

100,000 00 

200,000 00 

100,000 00 

50,000 00 

30,000 00 

50,000 00 

50,000 00 

70,000 00 

50,000 00 



Market value. 

$33,000 00 

17,550 00 

28,750 00 

24,000 00 

37,500 00 

13,200 00 

14,400 00 

573,800 00 

443,500 00 

37,800 00 

60,000 00 

37,500 00 

155,250 00 

31,500 00 

44,850 00 

14,700 00 

12,100 00 
6,200 00 
67,410 00 
47,000 00 
25,000 00 

156,000 00 

165,000 00 
55,000 00 
55,000 00 

120,000 00 
81,000 00 
94,000 00 

153,000 00 

22,000 00 

684 00 

1,000 00 

51,390 00 

102,000 00 

53,500 00 

88,000 00 

204,000 00 

102,000 00 

50,000 00 

30,000 00 

50,000 00 

52,500 00 

70,000 00 

50,000 00 



t,421,790 00 |4,899,684 00 



262 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans : — 



25 shares Guarantee Trust and S. D. Co., 
Catawissa Railroad bonds, . 

25 shares Pennsylvania Railroad, 
2 " Penn. Co. for Insurance on Lives 

1 share United Co.'s of New Jersey, 

26 shares Pennsylvania Railroad, 

2 " Ins. Co. State of Pennsylvania, 
Philadelphia and Reading R.R. bonds, 
1000 shares North Pennsylvania Railroad, 

175 " Andover Iron Company, . 
Susquehanna Car Trust bonds, . 
New York Car Trust bonds, 

200 shares Catawissa Railroad, . 

500 " Union Passenger Railroad, 
1000 " Lehigh Valley Railroad, . 
Corning, Cowanesque and Ant. R.R. bonds 
Allentown Iron Company bonds, 
Corning, Cowanesque and Ant. R.R. bonds 
Allentown Iron Company bonds, 
Philadelphia and Reading Railroad bonds, 
Phila. and Read'g Coal and Iron Co. bonds 
1500 shares Phila. and Reading R.R. Co , 

700 " Central Railroad, 

700 " Phila. and Reading R.R., . 

200 " Central R.R Co. of New Jersey 

400 " Lehigh Valley Railroad, . 
Huntington and Broad Top R.R. bonds, 

400 shares Central R.R. Co. of New Jersey 
1000 " Lehigh Valley Railroad, . 
Philadelphia and Reading Railroad bonds, 
Corning, Cowanesque and Ant. R.R. bonds 
Phila., Wil. and Baltimore R.R. bonds, 
Loans on company's own stock, $7,754 00 



Market value. Loaned thereon* 
$3,750 00 
3,600 00 
1,450 00 



t,450 00 



800 00 
194 00 

1,508 00 
600 00 

2,800 00 
68,000 00 
23,625 00 

5,000 00 
21,000 00 

5,000 00 
57,000 00 
71,000 00 
28,350 00 
33,000 00 
56,700 00 
92,250 00 
114,680 00 
80,0C0 00 
40,500 00 
58,100 00 
18,900 00 "l 



16,600 00 



28,400 00 
29,700 00 J 
33,200 00 
71,000 00 
5,300 00 
38,850 00 
16,740 00 



} 



2,000 00 

1,100 00 
350 00 

2,000 00 
55,000 00 
17,500 00 

25,000 00 

45,000 00 

50,000 00 

25,000 00 

25,000 00 

50,000 00 

65,000 00 

150,000 00 

30,000 00 
49,000 00 



}> 75,000 00 



25,000 00 

50,000 00 

4,500 00 

35,000 00 



.,027,597 00 $785,900 00 



Summary of Assets, Dec. 31, 1883. 



Cash value of unencumbered real estate, 
Loans on mortfge of real estate (first liens*) 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule 



$325,739 47 

1,866,866 67 

24,400 08 

4,899,684 00 

785,900 00 



* Total value of property mortgaged, . . $4,115,100 00 
Amount of insurance held as collateral, . 1,494,166 00 



1883.] INS. COS. OF OTHER STATES. 



263 



Cash deposited in bank, 

Premiums in course of collection (net), 

Notes taken for fire risks, . 

Notes taken for marine and inland risks, 

Gross assets, 

Deduct special deposits in other States, 



$548,006 44 

426,924 07 

20,834 06 

165,587 54 



Balance, 



$9,063,942 33 
42,000 00 

),021,942 33 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 

Less salvage, .... 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies 
Bills payable, .... 
Marine reinsurance premiums, . 

Gross liabilities, except capital, 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, . 



1,525 00 
421,548 00 
29,000 00 

$500,073 00 
50,000 00 

$450,073 00 

1,912,662 00 

492,612 95 

4,266 70 

15,722 23 

^2,875,336 88 
17,939 11 



2,857,397 77 



. $6,164,544 56 
. 3,000,000 00 

. $3,164,544 56 



Income. 

Cash received for fire premiums, . . $2,546,668 93 

Deduct reinsurance and return premiums, . 240,587 87 

Net cash received for fire premiums, . . $2,306,081 06 

Cash rec'd for marine and inland prem's, . $1,810,152 50 

Deduct reinsurance and return premiums, . 265,085 35 

Net cash rec'd for marine and inland prem's, 1,545,067 15 

Interest received on bonds and mortgages, . . . 99,627 23 
Interest and dividends received from all other sources, . 277,136 39 

Deposits received for perpetual fire risks, . $62,557 71 

Gross cash income, $4,227,911 83 



264 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, .... $1,379,669 04 
Deduct salvage and reinsurance, . . 54,015 63 

Net cash paid for fire losses, . . . $1,325,653 41 

Cash paid for marine and inland losses, . $1,403,675 03 
Deduct salvage and reinsurance, . . 338,603 93 

Net cash paid for marine and inland losses, 1,065,071 10 

Cash dividends paid, 600,000 00 

Cash paid for commissions and brokerage, . . . 577,707 77 
for salaries of officers and employees, . . 122,310 79 

for State and local taxes, 114,843 50 

for incidentals, ........ 240,339 00 

Deposits returned on perpetual fire risks, . $13,827 04 

Gross cash expenditures* ..... . , . $4,045,925 57 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 

Total . 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 
Perpetual risks (not included above), 

Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$231,564,230 00 
.228,467,316 00 

$460,031,546 00 
.194,804,320 00 



5,227,226 00 
4,055,000 00 



$261,172,226 00 
.$19,220,101 00 

.$31,786,697 00 
. 237,695,730 00 

$269,482,427 00 
.246,391,065 00 



Premiums. 

52,763,016 63 

2,443,116 40 

^5,206,133 03 

1,961,564 96 

$3,244,568 07 

63,071 00 

53,181,497 07 

$518,539 94 

$260,086 70 

1,817,517 75 

52,077,604 45 

1,852,421 82 



.$23,091,362 00 $225,182 63 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent.), . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, .... 



,952,501 10 
49,135,492 62 
7,803,934 25 

600,000 00 
1,365,326 41 
1,076,171 10 

293,720 00 



1883.] 



INS. COS. OF OTHER STATES. 



265 



THE INSURANCE COMPANY OF THE STATE OF PENNSYL- 
VANIA, PHILADELPHIA, PENN. 

t [Incorporated April 18, 1794. Commenced business Nov. 18, 1794.] 

Paid-up Capital, $200,000. 
Henry D. Sherrerd, President. Jos. H. Hollinshead, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 



20 shares Philadelphia Bank, 
5 " Susq. and York Turnpike Co., 

10 " Easton and W. Turnpike Co., 
284 " Lehigh Valley Railroad, . 

20 " Phila. and So. Mail S. S. Co., 
Schuylkill Navigation Company bonds, 
Lehigh Coal and Navigation Co. bonds, 
Philadelphia city bonds, 
Harrisburg, P., Mt. J. and L. R. R. bonds, 
Camden and Amboy Railroad and Delaware 

and Raritan Canal and T. Co. bonds, 
North Pennsylvania Railroad bonds, . 
American Steamship Co. (Phila.) bonds, 
Delano Land Company bonds, . 
United States bonds, . . . • . 
11 shares Car Trust of New York, 
New York and Pacific Car Trust bonds, 
Chicago and W. Indiana Railroad bonds, 
Phila., Wil. and Baltimore R.R. bonds, 
Philadelphia and Reading R.R. bonds, 
Phila. and Reading R.R Car Trust bonds, 
Corning, Cowanesque and Antrim R.R. b'ds, 
Shamokin, Sunb'y and Lewisb'g R.R. bonds, 
Terre Haute and Logansport R.R. bonds 
Mutual Insurance Company's scrip, . 



Par value. 


Market value . 


$2,000 00 


$4,420 00 


500 00 


500 00 


• 250 00 


50 00 


14,200 00 


20,164 00 


2,500 00 


- 


3,000 00 


2,790 00 


10,000 00 


10,200 00 


30,000 00 


36,300 00 


15,000 00 


14,400 00 


5,000 00 


5,450 00 


10,000 00 


10,200 00 


10,000 00 


10,800 00 


10,000 00 


11,000 00 


10,000 00 


11,500 00 


11,000 00 


11,000 00 


14,000 00 


14,000 00 


15,000 00 


16,500 00 


20,000 00 


18,600 00 


15,000 00 


15,450 00 


10,000 00 


10,000 00 


12,000 00 


12.000 00 


10,000 00 


9,750 00 


20,000 00 


20,000 00 


121 70 


121 70 



$249,571 70 $265,195 70 



Securities held as collateral for cash loans : — 



225 shares Insurance Co. of North America, 
100 " Delaware and Bound Brook R.R 
64 " . Cambria Iron Company, . 
Norfolk and Western R. R. bonds, 
300 shares Bethlehem Iron Company, 
Saucon Iron Company bonds, 



Market value. Loaned thereon. 

$6,975 00^ 



13,500 00 



7,360 00 
4,000 00 j 
25,500 00 
12,180 00 



[> $25,000 00 



21,000 00 
11,000 00 



26Q FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



E. Broad Top R. R. bonds, .... 
Rockhill Iron and Coal Co. bonds, 
Musconetong Iron Works bonds, 
Corning, Cowanesque and Antrim R R. b'ds, 
Louisville and Nashville Car Trust bonds, . 



Market value. Loaned thereon. 



$14,400 00 

8,000 00 
36,000 00 
29,000 00 
17,000 00 



} 



$20,000 00 

25,000 00 
25,000 00 
15,000 4 00 



$173,915 00 $142,000 00 



Summary of Assets, Dec. 31, 1883. 



Cash value of unencumbered real estate, . 
Loans on mortg'e of real estate (first liens*) , 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, 
Perpetual reinsurance deposit, 

Gross assets, 



$68,800 00 

102,850 00 

1,451 25 

265,195 70 

142,000 00 

983 91 

78,105 89 

1,348 33 

23,599 96 

12,729 65 

844 67 

1,580 00 



$699,489 36 



Liabilities. 

Losses adjusted, unpaid, 
Unearned premiums on outstanding risks, 
Reciaimable on perpetual fire policies, 
Dividends to stockholders unpaid* 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, ...... 



$75,401 00 

121,884 94 

80,486 55 

210 00 

1,863 22 



Surplus over capital, 



279,845 71 

$419,643 65 
200,000 00 

$219,643 65 



Income. 

Cash received for fire premiums, . . $159,713 67 

Deduct reinsurance and return premiums, . 19,215 69 

Net cash received for fire premiums, . . $140,497 98 

Cash rec'd for marine and inland premiums, $217,538 38 

Deduct reinsurance and return premiums, . 73,814 06 

Net cash rec'd for marine and inl'd prem's, 143,724 32 



* Value of lands mortgaged, .... $115,900 00 
Value of buildings thereon, .... 107,100 00 
Amount of insurance held as collateral, . . 84,800 00 



1883.] 



INS. COS. OF OTHER STATES. 



267 



Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, ....... 

Profit and loss account, . . ... 

Deposits received for perpetual fire risks, . 

Gross cash income, .... 



$2,451 00 



$5,302 50 

23,588 64 

4,645 02 

6,369 32 



$324,127 78 



Expenditures. 

Cash paid for fire losses, .... $79,964 78 
Deduct salvage and reinsurance, . . 524 59 

Net cash paid for fire losses, . . . 

Cash paid for marine and inland losses, . $147,650 89 
Deduct salvage and reinsurance, . . 14,518 82 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

for repairs on real estate, . 
Deposits returned on perpetual fire risks, . $2,207 67 

Gross cash expenditures, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Perpetual risks (not included above), . 

Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 



. $18,225,931 00 
. 16,808,713 00 



$35,034,644 00 
. 17,697,361 00 



. $17,337,283 00 
465,939 00 



$16,871,344 00 

. $2,525,482 00 

$2,174,895 00 
32,808,704 00 



,440 19 



133,132 07 
19,960 00 
50,614 80 
13,750 00 

6,547 88 
20,945 37 

2,760 17 



$327,150 48 

Premiums. 

$159,798 27 
161,477 26 

$321,275 53 
165,905 65 

$155,369 88 
4,318 80 

$151,051 08 

t,722 68 



. $34,983,599 00 
. 33,221,896 00 



.,761,703 00 
95,590 00 



1,442 97 
208,537 43 

$254,980 40 
207,180 62 

$47,799 78 
2,719 14 



Net amount in force, 



. $1,666,113 00 $45,080 64 



268 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, .... 



$17,114,690 00 

14,164,495 00 

4,066,406 00 

20,000 00 

80,379 00 

158,873 00 

26,000 00 



IRVING INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April 30, 1872. Commenced business April 30, 1872.] 

Paid-up Capital, $200,000. 

Albo de Bernales, President. W. F. R. Mills, Secretary. 



Summary of Assets, Dec. 31, 1883. 
Loans oh mort'ge of real estate (first liens*), $20,000 00 
Interest accrued thereon, 
United States bonds, .... 
Cash deposited in bank, 
Premiums in course of collection (gross), 
Premiums more than 3 mos. due, $48 26 
Gross assets, . 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, 
Less reinsurance, . 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
State and local taxes, .... 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



100 00 

222,975 00 

14,051 71 

25,580 33 



$282,707 04 



$819 45 

24,481 24 

375 00 

$25,675 69 
11,737 81 

$13,937 88 

57,866 85 

643 33 

300 00 

5,755 57 



Surplus over capital, 



78,503 63 

$204,203 41 
200,000 00 

$4,203 41 



* Value of lands mortgaged $27,500 00 

Value of buildings thereon 20,500 00 

Amount of insurance held as collateral, . . 20,500 00 



1883.] INS. COS. OF OTHER STATES. 



269 



Income. 

Cash received for fire premiums, . . $179,198 87 
Deduct reinsurance and return premiums, . 68,519 10 

Net cash received for fire premiums, . . $110,679 77 

Interest received on bonds and mortgages, . . . 1,200 00 

Interest and dividends received from all other sources, . 8,045 23 

Gross cash income $119,925 00 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . . . - 

Cash dividends paid, . ... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for rent and incidentals, 

Gross cash expenditures, . 



,977 86 
15,675 33 



$61,302 53 
5,050 00 
24,522 08 
8,255 00 
1,104 48- 
8,104 58 

$108,338 67 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

. $7,576,191 00 $79,312 92 
. 19,222,599 00 199,325 47 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



. $26,798,790 00 $278,638 39 
. 11,611,921 00 113,706 80 



$15,186,869 00 $164,931 59 
. 5,171,240 00 54,530 58 



,015,629 00 $110,401 01 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (2\ per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$1,060,822 68 

641,179 52 

176,000 00 

5,000 00 

95,699 56 

102,200 00 



270 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



JEFFERSON INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated March 4, 1824. Commenced business March 31, 1824.] 

Paid-up Capital, $200,010. 

Samuel E. Belcher, President. Wm. B. Flowery, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $309,000 00 $354,465 00 

233 shares Delaware and Hudson Canal, . 23,300 00 24,350 00 

100 " New York and Harlem Railroad, 5,000 00 9,500 00 



$337,300 00 $388,315 00 



Securities held as collateral for cash loans : — 



25 shares N. Y. Bowery Fire Ins. Co., 
68 " Tradesmen's National Bank, 
45 " Ninth National Bank, 
10 " National Park Bank, . 
140 " Delaware and Hudson Canal Co 



Market value. Loaned thereon* 

$981 25 $500 00 

2,917 20 2,000 00 
5,625 00 
1,610 00 

14,735 00 10,500 00 



\ 6,000 00 



$25,868 45 $19,000 00 



Summary of Assets, Dec. 31, 1883. 

Loans on mort'ge of real estate (first liens*), $101,375 00 

Interest due or accrued thereon, . . . 2,534 38 

Stocks, bonds, etc., as per schedule, . . 388,315 00 

Loans on collateral security, as per schedule, 19,000 00 

Cash in the office of the company, . . 5,685 19 

Cash deposited in bank, .... 335 62 

Interest due and accrued, .... 2,042 17 

Premiums in course of collection (gross), . 5,997 14 
Premiums more than 3 mos. due, $537 45 

Gross assets, ..... ~ $525,284 50 

Liabilities. 

Losses adjusted, unpaid, . $2,633 89 

claimed and reported, . . . 165 00 

Unearned premiums on outstanding risks, . 35,928 15 



* Value of lands mortgaged $159,500 00 

Value of buildings thereon 146,000 00 

Amount of insurance held as collateral, . 125,050 00 



1883.] INS. COS. OF OTHEE STATES. 



271 



Due and accrued for rent, . 
Commissions and brokerage, 
Return premiums, .... 
Gross liabilities, except capital, . 



$666 67 
829 87 
369 55 



$40,593 13 



Surplus as regards policy-holders, .... $484,691 37 
Paid-up capital, 200,010 00 



Surplus over capital, . 



. $284,681 37 



$68,360 66 
8,435 22 



Income. 

Cash received for fire premiums, 

Deduct reinsurance and return premiums, . 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 



$59,925 44 

6,213 50 

15,923 38 

$82,062 32 



Expenditures. 

Cash paid for fire losses, .... $32,138 02 
Deduct salvage and reinsurance, . . 2,041 70 

Net cash paid for fire losses, . . . $30,096 32 

Cash dividends paid, . . 20,001 00 

Interest paid scrip-holders, . . . . . . . 12,000 60 

Cash paid for commissions and brokerage, . . . 5,183 33 

for salaries of officers and employees, . . 12,975 00 

for State and local taxes, ..... 4,394 88 

for incidentals, 3,356 86 

Gross cash expenditures, $88,007 99 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 


$12,573,214 00 
13,500,383 00 


Premiums. 

$67,595 45 
70,975 49 


Total, ....'. 
Deduct risks expired and terminated, 


$26,073,597 00 
12,949,262 00 


$138,570 94 
67,668 75 


In force at end of year, . 
Deduct amount reinsured, . 


$13,124,335 00 
334,346 00 


$70,902 19 
1,147 17 


Net amount in force, 


. $12,789,989 00 


$69,755 02 



272 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Miscellaneous. 

Premiums received from organization of company, . $4,108,065 08 

Losses paid from organization of company, . . . 1,826,074 06 

Cash dividends declared from organization of company, . 1,648,890 53 

Dividends declared during the year (10 per cent.), . . 20,001 00 

Fire losses incurred during the year, 24,926 73 

Company's stock owned by directors, .... 23,490 00 



LONG ISLAND INSURANCE COMPANY, BROOKLYN, N. Y. 

[Incorporated April, 1833. Commenced business November, 1833.] 

Paid-up Capital, $300,000. 

Jonathan Ogden, President. Henry Blatchford, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 

Queens County bonds, . 

New York Central Railroad bonds, 

New Utrecht School District bonds, 



Par value. 

$120,000 00 

5,000 00 

63,000 00 

19,000 00 



Market value. 

$138,850 00 

5,200 00 

65,285 00 

19,442 22 



$207,000 00 §228,777 22 



Summary of Assets, Dec. 31, 1883. 



Loans on mort'ge of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Gross assets, 



192,900 00 

1,909 00 

228,777 22 

10,734 00 

62,200 87 

539 98 

15,839 84 



$512,900 91 



Liabilities. 

Losses claimed and reported, . . . $9,357 00 

Unearned premiums on outstanding risks, . 96,311 81 

Due and accrued for rent, salaries, etc., . 437 50 

Commissions and brokerage, . . . 3,167 97 

Gross liabilities, except capitfl and scrip, 

Surplus as regards policy-holders, .... 



109,274 28 



$403 626 63 



* Value of lands mortgaged, .... $168,900 00 

Value of buildings thereon 234,800 00 

Amount of insurance held as collateral, . 192,100 00 



1883.] INS. COS. OF OTHER STATES. 



273 



Paid-up capital, $300,000 00 

Scrip outstand'g not ordered to be redeemed, 60,493 00 



Surplus over capital and scrip, 

Income. 

Cash received for fire premiums, 

Deduct reinsurance and return premiums, . 

Net cash received for fire premiums, . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 



Expenditures 

Cash paid for fire losses, 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, 
Cash dividends paid, . 
interest paid scrip-holders, . 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, . 

for loss on bonds redeemed, 

Gross cash expenditures, . * 





$360,493 00 


. 


$43,133 63 


$213,867 09 




14,558 45 






$199,308 64 
7,774 25 


• • • 


sources, 


13,130 53 


. 


$220,213 42 


$85,701 31 




2,845 97 






$82,855 34 
30,000 00 


• t • 


. 


2,419 72 


. 


46,200 40 


s, 


13,852 11 


. 


4,124 86 


. 


14,743 59 


. 


7,925 00 


. . 


$202,121 02 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 
. $25,699,446 00 $137,603 34 
. 40,961,447 00 225,324 99 



Total, . . . . . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$66,660,893 00 $362,928 33. 
29,881,298 00 179,568 21 



,779,595 00 $183,360 12L 
469,020 00 2,141 86 



,310,575 00 $181,218 26 



Miscellaneous. 

Premiums received from organization of company, . . $3,213,927 58 

Losses paid from organization of company, . . . 1,283,166 81 

Cash dividends declared from organization of company, . 1,394,308 15 

Dividends declared during the year (10 per cent.), . . 30,000 00 

Fire losses incurred during the year, 82,226 00 

Company's stock owned by directors, .... 69,650 00 



274 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



MANUFACTURERS' AND BUILDERS' FIRE INSURANCE COM- 
PANY, NEW YORK, N. Y. 

[Incorporated Nov. 19, 1870. Commenced business Nov. 22, 1870.] 

Paid-up Capital, $200,000. 

Edward V. Loew, President. J. Jay Nestell, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, ..... $91,00000 $113,75000 

District of Columbia bonds, . . . 71,550 00 80,851 50 

New York and Erie Railroad bonds, . . 10,000 00 12,750 00 

Wabash Railroad bonds, . . . . 2,000 00 1,320 00 

Chic., Bur. and Quincy Railroad bonds, . 2,200 00 2,645 50 

Chicago, R. I. and P. Railroad stock, . . 50,000 00 58,250 00 

N. Y. Cent'l and Hudson River R.R. stock, 40,000 00 44,800 00 

Illinois Central Railroad stock, . . . 11,700 00 14,519 00 

Delaware and Hudson Canal Co. stock, . 10,000 00 11,190 00 



,450 00 $340,076 00 



Securities held as collateral for cash loans : 

400 shares Del., Lack, and West'n R.R., 
200 " Chic, R. T. and Pacific R.R., 



Market value. Loaned thereon. 

$23,350 00 $18,000 00 
23,300 00 13,000 00 



$46,650 00 $31,000 00 



Summary of Assets, Dec. 31, 1883. 



Loans on mort'ge of real estate (first liens*) , 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Rents due and accrued, 
Gross assets, . 



$17,600 00 

328 00 

340,076 00 

31,000 00 

1,295 59 

19,643 19 

2,568 77 

16,622 50 

425 66 



$429,559 71 



* Value of lands mortgaged, .... $16,500 00 
Value of buildings thereon, .... 14,000 00 
Amount of insurance held as collateral, . . 13,500 00 



1883.] 



INS. COS. OF OTHER STATES. 



275 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 

Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Commissions and brokerage, 
Return premiums, .... 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$4,405 61 

4,795 80 

3,375 00 

$12,576 41 

212 90 

$12,363 51 

73,280 37 

84 00 

2,087 17 

53 88 



Surplus over capital, 



$87,868 93 

. $341,690 78 
200,000 00 

. $141,690 78 



Income. 

Cash received for fire premiums, . . $158,380 10 
Deduct reinsurance and return premiums, . 14,735 46 

Net cash received for fire premiums, . . $143,644 64 

Interest received on bonds and mortgages, . . . 3,109 84 

Interest and dividends received from all other sources, . 17,568 38 

Income from rents, 2,668 85 

from all other sources, 281 00 

Gross cash income, $167,272 71 



Expenditures. 

Cash paid for fire losses, .... $88,503 81 
Deduct salvage and reinsurance, . . 8,694 09 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$79,809 72 
12,036 00 
28,575 53 
18,836 10 
5,754 25 
10,492 76 



Gross cash expenditures, 



$155,504 36 



276 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

19,069,811 00 $105,953 29 
27,732,797 00 164,190 00 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$46,802,608 00 $270,143 29 
20,562,008 00 120,294 03 



$26,240,600 00 $149,819 26 
1,716,418 00 8,309 33 



. $24,524,182 00 $141,539 93 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



.,347,393 82 

437,059 49 

238,000 00 

12,000 00 

75,173 56 

82,500 00 



MECHANICS' FIRE INSURANCE COMPANY, BROOKLYN, N. Y. 

[Incorporated May 7, 1857. Commenced business May 7, 1857. J 

Paid-up Capital, $250,000. 

John K. Oakley, President. Walter Nichols, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
People's Gas-Light stock, 
Salisbury Railroad bonds, 



$205,000 00 

5,000 00 

500 00 



$233,550 00 

3,900 00 

500 00 



$210,500 00 $237,950 00 



Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

83 shares Mechanics* Bank, . . . $4,772 50 \ 

40 " Phenix Insurance Company, . 3,000 00 / 

46 " Mechanics' Bank, . . . 4,945 00 

20 " Montauk Fire Insurance Co., . 1,100 00 



>5,500 00 

1,700 00 
800 00 



$13,817 50 $8,000 00 



1883.] 



INS. COS. OF OTHER STATES. 



277 



Summary of Assets, Dec. 31, 1883. 
Loans on mort'ge of real estate (first liens*), $155,500 00 
Interest due or accrued thereon, . . . 2,055 49 

Stocks, bonds, etc., as per schedule, . . 237,950 00 
Loans on collateral security, as per schedule, 8,000 00 

Cash in the office of the company, . . 2,094 28 

deposited in bank, .... 35,073 63 

Interest due and accrued, .... 59 01 

Premiums in course of collection (gross), . 19,592 53 

Premiums more than 3 mos. due, $1,000 00 

Gross assets, 

Deduct special deposits in other States, .... 



Balance, 



$460,324 94 
31,000 00 

$429,324 94 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

Total amount of losses, . 
Less reinsurance, . 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Commissions and brokerage, 

Gross liabilities, except capital, . 
Deduct liabilities on special deposits, . 



Surplus as regards policy-holders, 
Paid-up capital, 



$11,773 65 
13,124 01 

$24,897 66 
4,008 21 

$20,889 45 

105,634 12 

1,300 00 

$127,823 57 
13,829 44 



Surplus over capital, 



113,994 13 

$315,330 81 
250,000 00 

$65,330 81 



Income. 

Cash received for fire premiums, . . $265,443 34 
Deduct reinsurance and return premiums, . 53,973 45 

Net cash received for fire premiums, . . $211,469 89 

Interest received on bonds and mortgages, . . . 10,770 66 

Interest and dividends received from all other sources, . 8,151 66 

Gross cash income, ....... $230,392 21 



* Value of lands mortgaged $105,000 00 

Value of buildings thereon 228,000 00 

Amount of insurance held as collateral, . 172,300 00 



278 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, .... $156,025 44 
Deduct salvage and reinsurance, . . 4,648 65 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

lor State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



, $24,359,251 00 
, 33,640,166 00 

$57,999,417 00 
28,991,756 00 

$29,007,661 00 
961,334 00 



$151,376 79 
25,000 00 
42,264 09 
24,760 02 
4,991 84 
23,622 46 

$272,015 20 



Premiums. 

$144,570 24 
270,208 95 

$414,779 19 
210,998 93 

$203,780 26 
6,613 24 



Net amount in force, 



.$28,046,327 00 $197,167 02 



Miscellaneous. 



Premiums received from organization of company, . 
Losses paid from organization of company, y . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, . . 



$2,597,549 00 

1,187,709 79 

478,000 00 

25,000 00 

147,473 62 

85,750 00 



MERCANTILE FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated Jan. 15, 1852. Commenced business Jan. 17, 1852.] 

Paid-up Capital, $200,000. 

William A. Anderson, President. C. W. Parmelee, Secretary. 

Summary of Assets, Dec. 31, 1883. 

LoausonmortVeof real estate (first liens*), $47,500 00 
Interest due or accrued thereon, . . 417 07 



* Value of lands mortgaged, .... $86,000 00 

Value of buildings thereon 58,500 00 

Amount of insurance held as collateral, . . 56,500 00 



1883.] 



INS. COS. OF OTHER STATES. 



279 



United States bonds, .... 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Premiums more than 3 mos. due, $18 75 
Gross assets, 



$ 187,310 00 

498 61 

5,199 66 

1,220 00 

3,040 84 



$245,186 18 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

Total amount of losses, 

Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 
Return premiums, .... 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$1,747 84 
200 00 

$1,947 84 
100 00 

$1,847 84 

22,420 46 

575 00 

442 70 

26 27 



25,312 27 

^219,873 91 
200,000 00 



Surplus over capital, 



,873 91 



Income. 

Cash received for fire premiums, . . $46,536 69 

Deduct reinsurance and return premiums, . 4,167 43 

Net cash received for fire premiums, . . — — — - — - $42,369 26 

Interest received on bonds and mortgages, . . . 2,916 47 

Interest and dividends received from all other sources, . 5,431 02 

Gross cash income, $50,716 75 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . . . — 

Cash dividends paid, . . . . . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$18,787 49 
32 64 



$18,754 85 
6,000 00 
5,977 62 
11,372 50 
1,890 98 
4,323 20 



Gross cash expenditures, 



§48,319 15 



280 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

. $6,647,613 00 $47,288 02 
. 6,906,489 00 45,709 16 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



.$13,554,102 00 $92,997 18 
. 7,466,268 00 47,405 62 



1,087,834 00 $45,591 56 
255,181 00 1,762 82 



i,832,653 00 $43,828 74 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (3 per cent ), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, . 



,985,704 53 

970,467 17 

578,000 00 

6,000 00 

14,784 81 

53,200 00 



MERCHANTS' INSURANCE COMPANY, NEWARK, N. J. 

[Incorporated February, 1858. Commenced business April, 1858.] 

Paid-up Capital, $400,000. 

Henry Powles, President. J. R. Mulliken, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 

Newark city bonds, .... 

New Jersey state bonds, 

New Jersey Central Railroad bonds, . 

Jersey City bonds, .... 

East Orange bonds, 

Elizabeth city bonds, .... 

Newark and Bloomfield H. C. R.R. bonds, 

Long Branch school bonds, 

Union School District bonds, 

Citizens' Gas-Light Company bonds, . 

Citizens' Gas-Light Company stock, . 

Newark Gas-Light Company stock, . 



Par value. 

5204,000 00 

100,000 00 

1,000 00 

25,000 00 

3,000 00 

23,750 00 

16,000 00 

6,000 00 

15,000 00 

2,700 00 

13,500 00 

5,000 00 

10,000 00 



Market value. 

$235,980 00 
120,000 00 

1,170 00 
28,500 00 

3,000 00 
25,490 00 

8,000 00 

6,300 00 
18,000 00 

2,808 00 
14,310 00 

5,000 00 
14,000 00 



$424,950 00 $482,558 00 



1883.] 



INS. COS. OF OTHER STATES. 



281 



Securities held as collateral for cash loans : — 



Newark and New York R. R. bonds, . 
10 shares Union Building and Loan Ass'n 

20 " Newark City Nat'l Bank, . 

8 " Newark City Ice Company, 
150 " Newark City Ice Company, 

33 " Nat'l State Bank, 

10 " Nat'l Newark Banking Co., 

10 " Newark City Nat'l Bank, . 

82 " Newark Gas-Light Co., 

40 " Nat'l Newark Banking Co., 

64 " Citizens' Gas-Light Co., 

18 " American Insurance Co., . 

10 " State Banking Company, . 

40 " Manufacturing Nat'l Bank, 

20 " Domestic Telephone Co., . 

9 " Second National Bank, 
60 " Citizens' Gas-Light Co., 

74 " American Insurance Co., . 

70 " New'rk and Ros'dale Cement Co 

93 " Newark City Ice Co , 

40 " Newark Gas-Light Co., 

17 " RoselleLandandlmprovm'tCo 

26 " Newark City Ice Co., . 

29 " Mutual Benefit Ice Co., . 



Market value. 
$5,130 00 

800 00 
1,300 00 

640 00 

12,000 00 

2,112 00 

650 00 

650 00 
5,740 00 
2,600 00 
3,200 00 

144 00 

600 00 
2,800 00 
3,000 00 
1,125 00 
3,000 00 

592 00 
7,000 00 
7,440 00 
2,800 00 

850 00 
2,080 00 

290 00 



Loaned thereon. 

$2,500 00 
500 00 

1,100 00 

5,000 00 
1,500 00 

1,000 00 

7,500 00 

2,500 00 

400 0) 

2,500 00 

1,087 50 
2,700 00 
6,300 00 

4,000 00 
1,500 00 



,543 00 $40,087 50 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $148,576 00 

Loans on mort'ge of real estate (first liens*) , 443,842 00 

Interest due or accrued thereon, . . . 8,908 85 

Stocks, bonds, etc., as per schedule, . . 482,558 00 

Loans on collateral security, as per schedule, 40,087 50 

Cash in the office of the company, . . 4,778 18 

deposited in bank, .... 17,634 73 

Interest due and accrued, .... 8,568 25 

Premiums in course of collection (gross), . 64,728 35 

Notes taken for fire risks, .... 725 61 

Rents due and accrued, .... 1,556 30 
Premiums more than 3 mos. due, $3,188 57 

Gross assets, 

Deduct special deposit in other States, 



Balance, 



$1,221,963 77 
31,000 00 



$1,190,963 77 



* Value of lands mortgaged, .... $515,465 00 

Value of buildings thereon 593,750 00 

Amount of insurance held as collateral, . . 491,975 00 



282 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
State and local taxes, . 
Commissions and brokerage, 
Return premiums, .... 
Miscellaneous, . . . . . 

Gross liabilities, except capital, . 
Deduct liabilities on special deposits, . 



Surplus as regards policy-holders, 
Paid-up capital, 



11 

47,772 86 

900 00 

350,890 92 

480 00 

5,346 00 

1,412 91 

544 15 

10,940 34 

5,804 41 

1,131 96 

$444,111 66 
11,655 74 



$432,455 92 

$758,507 85 
400,000 00 



Surplus over capital, 



$358,507 85 



Income. 

Cash received for fire premiums, . . $617,709 26 

Deduct reinsurance and return premiums, . 56,631 09 

Net cash received for fire premiums, . . — — 

Interest received on bonds and mortgages, 

interest and dividends received from all other sources, 

Income from rents, . . . . 

Gross cash income, . . . . . 



$561,078 17 

26,465 46 

25,356 39 

5,774 09 

$618,674 11 



Expenditures. 

Cash paid for fire losses, . . . . $322,388 50 

Deduct salvage and reinsurance, . . 2,350 96 

Net cash paid for fire losses, 

Cash dividends paid, . 

Cash paid for redemption of scrip, 

Interest paid scrip-holders, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



320,037 54 

49,020 00 

245 00 

68 56 

115,499 35 

28,815 50 

20,143 43 

45,748 41 



Gross cash expenditures, 



5579,577 79 



1883.] INS. COS. OF OTHER STATES. 



283 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

.$56,799,431 00 $540,282 12 
. 64,821,126 00 647,463 46 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 
Perpetual risks (included above), 



$121,620,557 00 $1,187,745 58 
. 56,352,261 00 502,756 58 



. $65,268,296 00 $684,989 00 
631,606 00 6,564 46 



.$64,636,690 00 $678,424 54 
$19,800 00 



Miscellaneous 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$5,300,593 00 

2,381,109 12 

480,219 00 

48,000 00 

349,129 22 

74,150 00 



MERCHANTS' INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April, 1850. Commenced business April, 1850.] 

Paid-up Capital, $200,000. 

C. V. B. Ostrander, President. J. L. Douglass, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
North River Bank stock, 
Merchants' Exchange Bank stock, 
New York Central Railroad stock, 
Rensselaer and Saratoga Railroad stock, 



20 shares Williamsburgh City Fire Ins. Co., 

United States bonds, 

5 shares First Nat'l B'k, Saugerties, N. Y., 
10 " Home Insurance Company, N.Y., 
25 " Merchants' Union Express Co., . 



Par value. 

$150,000 00 

9,000 00 

5,000 00 

10,000 00 

1,000 00 



Market value. 

$185,625 00 
10,800 00 

4,750 00 
11,200 00 

1,400 00 



$175,000 00 $213,775 00 



Securities held as collateral for cash loans : — 



Market value. 

$2,300 00 

1,717 50 

500 00 

1,475 00 

2,300 00 



Loaned thereon. 

$1,200 00 

1,500 00 

300 00 

\ 2,500 00 



1,292 50 



i,500 00 



284 FIRE, MARINE, AND FIRE-MARINE [Doc. 31, 



Summary op Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $27,000 00 

Loans on mortg'e of real estate (first liens*), 125,600 00 

Interest due or accrued thereon, 

Stocks, bonds, etc., as per schedule, . 

Loans on collateral security, as per schedule 

Cash in the office of the company, 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection, 

Return tax due, . 

Gross assets, 



3,187 66 

213,775 00 

5,500 00 

2,860 94 

32,242 24 

123 09 

10,921 60 

4,151 59 



$425,362 12 



Liabilities. 



Losses claimed and reported, . . . $4,775 00 

disputed or resisted, . . . 900 00 

Unearned premiums on outstanding risks, . 65,028 09 

Gross liabilities, except capital, . . 70,703 09 



Surplus as regards policy-holders, . . ; $354,659 03 

Paid-up capital, 200,000 00 



Surplus over capital, ....... $154,659 03 

Income. 

Cash received for fire premiums, . . $117,423 44 
Deduct reinsurance and return premiums, . 4,319 24 

Net cash received for fire premiums, . . $113,104 20 

Interest received on bonds and mortgages, . . . . 8,144 42 

Interest and dividends received from all other sources, . 11,520 78 



Gross cash income, $132,769 40 

Expenditures. 

Cash paid for fire losses, .... $62,232 69 
Deduct salvage and reinsurance, . . 935 90 

Net cash paid for fire losses, . . . $61,296 79 

Cash paid for commissions and brokerage, . . . 24,636 80 

for salaries of officers and employees, . . 20,399 82 

for State and local taxes, 5,812 36 

for incidentals, 10,811 39 



Gross cash expenditures, $122,957 16 



* Value of lands morgaged, .... $55,20000 

Value of buildings thereon 201,700 00 

Amount of insurance held as collateral, . . 140,400 00 



1883.] 



INS. COS. OF OTHER STATES. 



285 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premium*. 

,183,698 00 ^123,375 43 
20,289,005 00 125,000 17 



Total, • 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



,472,703 00 $248,375 60 
20,541,669 00 119,830 37 



.$19,931,034 00 $128,545 23 
36,500 00 107 91 



.$19,894,534 00 $128,437 32 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$4,306,589 42 

1,863,015 61 

1,082,000 00 

51,827 12 

54,550 00 



MERCHANTS' INSURANCE COMPANY, PROVIDENCE, R. I. 

[Incorporated May 15, 1851. Commenced business July, 1851. "| 

Paid-up Capital, $200,000. 

Wm. T. Barton, President. Wm. P. Goodwin, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

1,600 shares National Bank of Commerce, . $80,000 00 

1,000 " American National Bank, . 50,000 00 

400 " Merchants' National Bank, . 20,000 00 

200 " Globe National Bank, . . 10,000 00 

467 " Providence Gas Company, . 23,350 00 

200 " Phenix National Bank, . . 10,000 00 

257 " Mechanics' National Bank, . 12,850 00 

102 " Manufacturers' National Bank, 10,200 00 

66 " Del. and Hudson Canal Co., . 7,700 00 



Market value . 

$84,800 00 
53,000 00 
27,600 00 
13,400 00 
30,355 00 
18,000 00 
18,761 00 
15,402 00 
8,104 25 



$224,100 00 $269,422 25 



Securities held as collateral for cash loans : — 



15 shares American Screw Co., . 
Chicago, St. Paul, Minn. & Om. R.R. bonds, 
Kansas City, St. J. and C. B. R.R. bonds, . 
13 shares Nat'l Eagle Bank, Providence, . 
10 " Fifth Nat'l Bank, Providence, 
4 " N. Y., Prov. and Boston R. R., . 



Market value. 

$4,200 00 

5,400 00 

1,250 00. 

897 00 

650 00 

660 00 



Loaned thereon. 



),500 00 



1,525 00 



$13,057 00 $11,025 00 



286 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets, Dec. 31, 1883. 



Loans on mort'ge of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Due for reinsurance, .... 
Gross assets,f .... 



$9,500 00 

19 58 

269,422 25 

11,025 00 

4,652 21 

107,784 97 

973 73 

20,451 34 

493 33 



$424,322 41 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
State and local taxes, .... 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$6,949 60 

20,188 75 

1,875 00 

138,772 87 

633 33 

78 06 

702 56 



Surplus over capital, 



169,200 17 

$255,122 24 
200,000 00 

$55,122 24 



Income. 

Cash received for fire premiums, . . $269,178 01 

Deduct reinsurance and return premiums, . 36,124 66 

Net cash received for fire premiums, . . 

Cash rec'd for marine and inland premiums, $11,380 08 

Deduct reinsurance and return premiums, . 107 73 

Net cash recM for marine and inl'd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 



$233,053 35 



11,272 35 

312 50 

18,919 09 

$263,557 29 



* Value of lands mortgaged $44,000 00 

Value of buildings thereon, .... 49,000 00 
Amount of insurance held as collateral, . . I 22,500 00 
t Including $25,000 special reserve fund held under Rhode Island law. 



1883.] INS. COS. OF OTHER STATES, 



287 



Expenditures. 

Cash paid for fire losses, .... $173,775 38 
Deduct salvage and reinsurance, . . 6,717 01 

Net cash paid for fire losses, . . . $167,058 37 

Cash paid for marine and inland losses, . $9,249 70 

Deduct salvage and reinsurance, . . 648 50 

Net cash paid for marine and inland losses, 8,601 20 

Cash dividends paid, 6,000 00 

Cash paid for commissions and brokerage, . . . . 46,748 61 
salaries of officers and employees, . . . 26,659 45 
for State and local taxes, 7,416 72 

Gross cash expenditures, $262,484 35 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, . . . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$20,816,175 00 
23,259,526 00 



$44,075,701 00 
21,714,958 00 



$22,360,743 00 
187,815 00 



Premiums. 

$238,522 00 
269,706 90 

$508,228 90 
240,364 06 

$267,864 84 
1,869 60 



$22,172,928 00 $265,995 24 



Marine risks outstanding Dec. 31, 1882, . $50,355 00 $763 91 

written during 1883, . . 1,217,013 00 12,143 78 



Total, . $1,267,368 00 $12,907 69 

Deduct risks expired and terminated, . . 1,163,729 00 11,223 01 



In force at end of year, .... $103,639 00 $1,684 68 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year, (3 per cent.), . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$4,835,726 93 

3,335,805 77 

584,000 00 

6,000 00 

172,317 89 

9,401 20 

41,500 00 



288 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



MERIDEN FIRE INSURANCE COMPANY, MERIDEN, CONN. 

[Incorporated July, 1868. Commenced business Feb., 1872.] 

Paid-up Capital, $200,000. 

A. Chamberlain, President. E B. Cowles, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 

Meriden city bonds, 

Cleveland city bonds, . 

Cincinnati city bonds, . 

Dayton city bonds, 

Harlem River and Pt. Chester R R. bonds, 

Danbnry and Norwalk Railroad bonds, 

Dayton and Michigan R.R. Co. bonds, 

Housatanic Railroad bonds, 

First National Bank, Meriden, stock, . 

Home National Bank, Meriden, stock, 

Meriden National Bank stock, 

New Britain National Bank stock, 

Yale National Bank, New Haven, stock, 

Hartford National Bank stock, . 

Mercantile Nat'l Bank, Hartford, stock, 

Phoenix National Bank, Hartford, stock, 

First Nat'l Bank stock (Wallingford, Ct.), 

Southington National Bank stock, 

N. Y., N. H. and Hartford Railroad stock, 

Danbury and Norwalk Railroad stock, 

Adams Express Company stock, 

Meriden Gas Light Company stock, . 



Par value. 

20,000 00 

5,000 00 

10,000 00 

10,000 00 

20,000 00 

17,000 00 

9,500 00 

5,000 00 

10,000 00 

11,300 00 

26,800 00 

8,900 00 

4,500 00 

5,500 00 

5,000 00 

5,000 00 

200 00 

1,500 00 

8,300 00 

2,500 00 

5,000 00 

2,000 00 

2,500 00 



Market value. 

$24,800 00 

6,000 00 

12,000 00 

12,000 00 

24,000 00 

22,350 00 

11,400 00 

5,250 00 

10,000 00 

13,560 00 

33,500 00 

11,570 00 

6,975 00 

6,600 00 

8,850 00 

6,500 00 

340 00 

1,575 00 

8,964 00 

4,450 00 

3,750 00 

2,620 00 

2,750 00 



$195,500 00 §239,804 00 



Summary of Assets, Dec. 31, 1883. 



Loans on mort'ge of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, . 



$33,000 00 

328 96 

239,804 00 

999 82 

11,819 39 

1,092 50 



* Value of lands mortgaged $41,700 00 

Value of buildings tbereon, .... 64,300 00 
Amount of insurance beld as collateral, . . 40,300 00 



1883.] INS. COS. OF OTHER STATES. 



289 



Premiums in course of collection (gross), . $8,501 07 

Rents due and accrued, .... 303 33 

Non-resident tax due, 191 95 

Miscellaneous, . . . $4,000 00 

Gross assets, 



$296,041 02 



Liabilities. 

Losses claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, . 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, . 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, . 
Paid-up capital, 



$10,618 94 
775 00 

$11,393 94 
2,471 85 



$8,922 


09 


37,001 


61 


400 


00 


709 


12 



47,032 82 

$249,008 20 
200,000 00 



Surplus over capital, . $49,008 20 



Income. 

Cash received for fire premiums, . . $81,160 06 
Deduct reinsurance and return premiums, . 21,087 24 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from commissions, 



Gross cash income, 



,072 82 

1,552 50 

12,400 07 

1,590 30 

$75,615 69 



Expenditures. 

Cash paid for fire losses, .... $41,093 26 
Deduct salvage and reinsurance, . . 4,239 46 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
State and local taxes, .... 
for incidentals 



$36,853 80 

18,000 00 

10,006 08 

4,800 00 

1,026 63 

2,319 63 



Gross cash expenditures, 



$73,006 14 



290 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Fire Risks and Premiums. 

Premiums. 

$5,837,619 00 $58,914 89 
7,452,620 00 84,959 87 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$13,290,239 00 $143,874 76 
4,964,623 00 56,076 82 



'8,325,616 00 $87,797 94 
1,558,532 00 17,467 82 



1,767,084 00 $70,330 12 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (9 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



^1,746,080 35 

1,093,290 04 

168,000 00 

18,000 00 

37,361 91 

67,600 00 



MONTAUK FIRE INSURANCE COMPANY, BROOKLYN, N. Y. 

[Incorporated May 19, 1857. Commenced business, May 23, 1857.] 

Paid-up Capital, $200,000. 

Daniel F. Fernald, President. George F. Malby, Secretary, 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Brooklyn Gas Light stock, 
Citizens 1 Gas Light stock, 

" " " bond, 

Nassau Gas Light stock, 

" " " certificates, 

Williamsburgh Gas Light stock, 
Metropolitan Gas Light stock, 
Brooklyn City Railroad stock, 
Broadway Railroad stock, . 
" " bond, . 

Brooklyn City and Newtown R. R. bonds, 
Yates and Flatbush Railroad bonds, . 
National City Bank (Brooklyn) stock, 
Long Island Bank stock, . 
Nassau National Bank stock, 



Par value. 

$98,000 00 
4,000 00 
4,000 00 
1,000 00 
2,500 00 
6,500 00 
6,000 00 
400 00 

20,000 00 

3,500 00 

500 00 

10,000 00 
1,000 00 

10,000 00 
3,500 00 
5,100 00 



Market value. 

$119,690 00 
5,120 00 
3,560 00 
1,080 00 
1,875 00 
5,850 00 
6,300 00 
360 00 

43,600 00 

7,175 00 

525 00 

11,000 00 
1,050 00 

30,000 00 
4,060 00 

10,302 00 



1883.] INS. COS. OF OTHER STATES. 



291 



Bank of New York stock, . 

First National Bank (Brooklyn) stock, 

Commercial " " 

Mechanics 1 " " " 

Union Ferry Company stock, 

Long Island Loan and Trust Co. stock, 



Par value. 

$3,300 00 
1,200 00 
600 00 
2,500 00 
1,300 00 
2,000 00 



Market value. 

$5,280 00 
3,240 00 
690 00 
5,250 00 
2,080 00 
1,206 00 



Securities held as collateral for cash loans 

Commercial Bank of Brooklyn stock, 
Bushvvick Railroad cert., . , 
Mechanics' Bank, Brooklyn stock, 



$186,900 00 $269,293 00 



Market value. 

$1,035 00 

30,000 00 

3,150 00 



Loaned thereon. 

$400 00 

25,000 00 

1,700 00 



$34,185.00 $ 27,100 00 



Summary of Assets, Dec. 31, 1883. 



Loans on mort'ge of.real estate (first liens*), 


$16,800 00 




Interest due or accrued thereon, . 


310 00 




Stocks, bonds, etc., as per schedule, . 


269,293 00 




Loans on collateral security, as per schedule, 


27,100 00 




Cash deposited in bank, ... 


23,416 19 




Interest due and accrued, . . . ' . 


12 00 




Premiums in course of collection (gross), . 


13,556 67 




Gross assets, . . . 




$350,517 86 




Liabilities. 






Losses adjusted, unpaid, .... 


$6,534 45 




claimed and reported, 


4,800 00 




disputed or resisted, 


1,489 58 




Unearned premiums on outstanding risks, . 


60,726 17 




Due and accrued for rent, salaries, etc., 


916 67 




State and local taxes, ..... 


500 00 




Commissions and brokerage, 


2,304 63 




Gross liabilities, except capital, . 




77,271 50 


Surplus as regards policy-holders, 


$273,246 36 






200,000 00 




$73,246 36 


* Value of lands mortgaged, . . . 


$16,000 00 




Value of buildings thereon, . 


21,500 00 




Amount of insurance held as collateral, 


15,225 00 





292 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums, . . $124,558 89 
Deduct reinsurance and return premiums, . 15,028 54 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, . 



Gross cash income, 



$109,530 35 

1,034 00 

14,796 08 

$125,360 43 



Expenditures. 

Gash paid for fire losses 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, — 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

for interest on borrowed money, 



,199 10 
283 21 



}62,915 89 

20,000 00 

20,052 89 

11,088 44 

707 16 

14,800 15 

221 18 



Gross cash expenditures, . . $129,785 71 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



.$14,406,638 00 
. 17,429,288 00 

.$31,835,926 00 
. 15,865,092 00 



. $15,970,834 00 
218,750 00 



Premiums. 
$97,819 33 
130,409 28 

$228,228 61 
108,625 02 

$119,603 59 
1,215 46 



. $15,752,084 00 $118,388 13 



Miscellaneous. 

Premiums received from organization of company, . . $2,002,898 00 

Losses paid from organization of company, . . . 953,344 00 

Cash dividends declared from organization of company, . 523,500 00 

Dividends declared during the year (10 per cent.), . . 20,000 00 

Fire losses incurred during the year, 63,686 78 

Company's stock owned by directors, . . . . 81,550 00 



1883.] 



INS. COS. OF OTHER STATES. 



293 



NATIONAL FIRE INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated Nov. 27, 1871. Commenced business Dec. 1, 1871.] 

Paid-up Capital, $1,000,000. 

Mark Howard, President. James Nichols, Secretary. 



Derailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Connecticut State bonds, 
Hartford city bonds, . 
New Britain city bonds, 
Rochester city bonds, . 
Lockport city bonds, . 
Buffalo city bonds, 
Cleveland city bonds, . 
Detroit city bonds, 
Meriden town bonds, . 
West Middle School Dist. bonds, Hartford 
St. Johnsbury and Lake Champ. R.R. bonds 
Danbury and Norwalk R.R. bonds, 
Harlem River and Port Chester R.R. bonds 
Erie Railway bonds, . . 
Jackson, Lansing and Saginaw R.R. bonds 
Cleveland, Col., Cin. and Ind. R.R. bonds, 
Chicago and Western Indiana R.R. bonds 
Chicago and North Western R.R bonds, 
Chicago, Mil. and St. Paul R.R. bonds, 
Chicago, Burl, and Quincy R.R. bonds, 
Hannibal and St. Joseph R.R. bonds, . 
400 shares N. Y., New Haven and Hart. R.R 
200 " New York and Harlem R.R. 
500 " N. Y. Cent'l and Hud. River R.R 
572 " Pennsylvania R.R., 
200 " Pittsb'g, F. W. and Chicago R.R 
200 " Cleveland and Pittsburgh R. R. 
117 " Illinois Central R.R., . 
100 " Chicago, Burl, and Quincy R. R 
300 " Chicago, Rock I. and Pacific R.R 
100 " Metropolitan Nafc'l Bank, N. Y. 
50 " Central Nat'l Bank, N. Y., . 
140 " Farmers' & Mech N.B'k,HartfM 
100 " Charter Oak National Bank, 
300 " Hartford National Bank, . 
300 " Phoenix National Bank, . 



Par value. 

$100,000 00 
5,000 00 
35,000 00 
6,000 00 
25,000 00 
10,000 00 
15,000 00 
10,000 00 
13,000 00 
10,000 00 
25,000 00 
20,000 00 
10,000 00 
25,000 00 
20,000 00 
20,000 00 
20,000 00 
20,000 00 
20,000 00 
10,000 00 
10,000 00 
20,000 00 
40,000 00 
10,000 00 
50,000 00 
28,600 00 
20,000 00 
10,000 00 
11,700 00 
10,000 00 
30,000 00 
10,000 00 
5,000 CO 
14,000 00 
10,000 00 
30,000 00 
30,000 00 



Market value. 
$120,000 00 

5,000 00 
41,950 00 

7,200 00 
32,500 00 
12,200 00 
18,450 00 
11,300 00 
15,860 00 
10,500 00 
29,500 00 
22,000 00 
10,200 00 
31,250 00 
25,600 00 
21,600 00 
24,000 00 
22,000 00 
22,000 00 
10,900 00 
10,600 00 
22,200 00 
72,800 00 
19,500 00 
57,500 00 
34,320 00 
26,800 00 
13,800 00 
14,728 00 
12,100 00 
36,000 00 
15,500 00 

6,450 00 
18,060 00 
15,000 00 
53,400 00 
53,100 00 



294 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



215 sh 

50 

50 
247 

50 
100 

75 

70 

70 

25 
320 



ares JEtna National Bank. 

" City National Bank, . 

" Mercantile National Bank, 

" National Exchange Bank, . 

" Second Nat'l Bank, New Haven 

" Thames Nat'l Bank, Norwich, 

" Nat'l B'k of the Republic, Boston 

" Boston Nat'l Bank, Boston, 

" St. Paul Nat'l Bank, St. Paul, 

" Merchants' Bank, St. Louis, 

" Willimantic Linen Company, 



Par value. 

$21,500 00 
5,000 00 
5,000 00 

12,350 00 
5,000 00 

10,0:)0 00 
7,500 00 
7,000 00 
7,000 00 
350 00 
8,000 00 



Market value. 

$27,950 00 
4,500 00 
6,200 00 

18,525 00 
8,000 00 

15,100 00 

9,675 00 

8,260 00 

7,000 00 

175 00 

16,000 00 



$847,000 00 $1,097,253 00 



Securities held as collateral for cash loans : 



NewHaven v Mid'town&Willim'ticR.R.b'ds, 
New York Elevated Railroad bonds, . 
5 shares N. Y., N. H. and Hartford R.R 
5 

20 

10 

6 

1 

15 

6 

221 



Hartford Gas Company, 
Lake Shore and Mich. So. R.R 
N. Y., N. H. and Hartford R.R 
Conn. T. and S. Deposit Co., 
Pittsfield National Bank, . 
Adams Express Company, 
Hartf'd and Wethersfield H.R.R 
Travelers' Insurance Co., 



Market value. Loaned thereon. 


$880 00 


$720 00 


2,400 00 


1,440 00 


910 00 ) 
155 00 S 


500 00 


1,900 00 


1,440 00 


1,820 00 


1,080 00 


720 00 \ 
110 00/ 


630 00 


1,950 00 > 
672 00/ 


1,800 00 


64,090 00 


38,450 00 


$75,607 00 


$46,060 00 



Summary of Assets, Dec. 31, 1883 



Cash value of unencumbered real estate, 
Loans on mortg'e of real estate (first liens*) 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (net), 
Gross assets, 



$30,495 98 

424,650 00 

8,085 96 

1,097,253 00 

46,060 00 

191 41 

122,483 47 

9,284 83 

36,000 00 



:,774,504 65 



* Value of lands mortgaged $562,490 00 

Value of buildings thereon, .... 545,750 00 
Amount of insurance held as collateral, . . 336,625 00 



1883.] INS. COS. OF OTHER STATES. 



295 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, . 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$23,384 00 

20,644 50 

8,500 00 

267,890 58 



Surplus over capital, 



$320,419 08 

^1,454,085 57 
1,000,000 00 

$454,085 57 



Income. 

Cash received for fire premiums, . . $415,023 74 
Deduct reinsurance and return premiums, . 40,356 22 

Net cash received for fire premiums, . . $374,667 52 

Interest received on bonds and mortgages, . . . 28,065 93 

Interest and dividends received from all other sources, . 65,942 71 

Income from rents, 3,836 80 

Income from profit on sale of real estate, .... 1,842 50 



Gross cash income, $474,355 46 



Expenditures. 

Cash paid for fire losses, .... $236,551 81 
Deduct salvage and reinsurance, . . 4,141 07 

Net cash paid for fire losses, . . . — - 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees 

for State and local taxes, . 

for incidentals, .... 

Gross cash expenditures, 



$232,410 74 
100,000 00 
63,604 71 
32,053 38 
12,229 79 
23,909 99 

$464,208 61 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1882, . . $42,914,290 00 $160,737 65 
written during 1883, . . . 40,270,215 00 451,023 74 



Total, . . 
Deduct risks expired and terminated, 

In force at end of year, 

Deduct amount reinsured, . . 



5,184,505 00 $911,761 39 
. 37,387,177 00 388,848 60 



.$45,797,328 00 $522,912 79 
447,016 00 5,424 68 



Net amount in force, . 



.$45,350,312 00 $517,488 11 



296 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



$4,275,974 40 
2,039,484 43 
877,000 00 
100,000 00 
257,080 42 
115,900 00 



NATIONAL FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated, 1838. Commenced business April 9, 1838.] 

Paid-up Capital, $200,000. 

Henry T. Drowne, President. F. J. Walton, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

$205,000 00 $249,187 50 

13,000 00 20,800 00 

10,000 00 13,000 00 

7,500 00 12,000 00 



United States bonds, .... 
130 shares National Bank of Commerce, 
100 " American Ex. Nat'l Bank, . 
150 " Manhattan Co. Bank, 



$235,500 00 $294,987 50 



Summary of Assets, Dec. 31, 1883. 

Loans on mort'ge of real estate (first liens*), $75,588 98 

Interest due or accrued thereon, . . . 2,021 80 

Stocks, bonds, etc., as per schedule, . . 294,987 50 

Cash in the office of the company, . . 2,848 26 

Cash deposited in bank, .... 9,453 21 

Premiums in course of collection (gross), . 21,188 30 

Gross assets, . . . . . . $406,088 05 

Liabilities. 

Losses adjusted, unpaid, .... $10,175 00 

claimed and reported, . . . 14,825 00 

Unearned premiums on outstanding risks, . 108,231 01 

Commissions and brokerage, . . . 2,175 77 

Gross liabilities, except capital, . . 135,406 78 

Surplus as regards policy-holders, . . . . $270,681 27 

Paid-up capital, 200,000 00 

Surplus over capital, . . . . . . $70,681 27 



* Total value of property mortgaged, . . $174,200 00 
Amount of insurance held as collateral, . . 99,400 00 



1883.] INS. COS. OF OTHER STATES. 



297 



Income. 

Cash received for fire premiums, 
Deduct reinsurance and return premiums, 
Net cash received for fire premiums, . 
Interest received from all sources, 
Income from rents, .... 
from profit on sale of stock, . 

Gross cash income, 



$251,118 63 
39,009 93 



$212,108 70 

13,700 37 

219 72 

1,900 00 

$227,928 79 



Expenditures. 

Cash paid for fire losses, . . . . $118,303 74 
Deduct salvage and reinsurance, . . 3,803 32 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, . ... 

Gross cash expenditures, .... 



$114,500 42 
20,000 00 
45,733 47 
23,093 84 
2,195 25 
19,067 01 

$224,589 99 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 



Risks and Premiums. 

Premiums. 
. $29,982,980 00 $215,744 79 
. 32,849,494 00 258,261 61 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



.$62,832,474 00 $474,006 40 
. 33,645,985 00 255,728 69 



. $29,186,489 00 $218,277 71 
199,786 00 1,815 69 



. $28,986,703 00 $216,462 02 



Miscellaneous. 

Premiums received from reorganization of company, 
Losses paid from reorganization of company, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



?3,810,059 51 

1,953,004 07 

990,056 00 

20,000 00 

103,067 09 

44,087 50 



298 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 
NEWARK FIRE INSURANCE COMPANY, NEWARK, N. J. 

[Incorporated May 14, 1810. Commenced business May 14, 1810.] 

Paid-up Capital, $250,000. 

Charles S. Haines, President. John J. Henry, Secretary 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Morris and Essex Railroad stock, 
National Newark Banking Co. stock, 
Newark City National Bank stock, 
National State Bank stock, . 



Par value. 

$221,000 00 

10,000 00 

7,700 00 

13,250 00 

11,400 00 



Market value. 

$235,772 50 

12,200 00 

10,241 00 

17,490 00 

13,452 00 



$263,350 00 $289,155 50 



Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

Merchants' Insurance Company stock, . $5,250 00 $3,500 00 



Summary of Assets, Dec. 

Cash value of unencumbered real estate, . 
Loans on mort'ge of real estate (first liens*) , 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), . 
Notes taken for fire risks, .... 
Rents due and accrued, .... 
Gross assets, 



Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, 
Less reinsurance, . 

Net amount of unpaid losses, 



31, 1883. 

$56,800 00 

251,520 00 

4,910 91 

289,155 50 

3,500 00 

1,346 62 

44,338 45 

1,049 37 

15,792 52 

873 02 

330 00 



$2,063 53 

12,489 66 

4,781 96 

$19,335 15 

2,500 00 

$16,835 15 



$669,616 39 



* Value of lands mortgaged $362,230 00 

Value of buildings thereon, .... 396,720 00 
Amount of insurance held as collateral, .< . 369,750 00 



1883.] 



INS. COS. OF OTHER STATES. 



299 



Unearned premiums on outstanding risks, . $109,783 27 
Dividends to stockholders unpaid, . . 9,395 76 

Commissions and brokerage, . . . 2,835 54 

Return premiums, 56 90 

Gross liabilities, except capital, . . $138,906 62 

Surplus as regards policy-holders, .... $530,709 77 
Paid-up capital, 250,000 00 

Surplus over capital, $280,709 77 



Income. 

Cash received for fire premiums, . . $188,598 21 
Deduct reinsurance and return premiums, . 21,805 93 

Net cash received for fire premiums, . . $160,792 28 

Interest received on bonds and mortgages, . . . 17,197 62 

Interest and dividends received from all other sources, . 10,152 00 

Income from rents, 1,537 40 

Gross cash income, $195,679 30 



Expenditures. 

Cash paid for fire losses, .... $107,871 28 
Deduct salvage and reinsurance, . . 2,796 23 

Net cash paid for fire losses, . . . — 

Cash dividends paid, . . . . . 
Cash paid for commissions and brokerage, 

for salaries of officers and employees 

for State and local taxes, . 

for incidentals, . 

for profit and loss, 

Gross cash expenditures, 



$105,075 05 
24,206 60 
34,436 36 
9,943 82 
8,508 96 
9,797 79 
1,608 00 

$193,576 58 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

.$28,492,912 00 $252,158 80 
. 22,347,247 00 186,690 79 



Total, . . " . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



.$50,840,159 00 $438,849 59 
. 25,131,990 00 211,112 06 



$25,708,169 00 $227,737 53 
439,888 00 3,857 75 



Net amount in force, . 



$25,268,281 00 $223,879 78 



300 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



$2,602,946 00 
998,442 53 
453,051 00 

25,000 00 
102,956 49 

31,415 00 



NEW HAMPSHIRE FIRE INSURANCE COMPANY, MANCHES- 
TER, N. H. 

[Incorporated 1869. Commenced business, April, 1870.] 

Paid-up Capital, $500,000. 

J. A. Weston, President. J. C. French, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Manchester city bonds, 
St. Louis city bonds, 
Chicago city bonds, 
Zanesville city bonds, 
Marietta city bonds, 
Concord city bonds, 
Brain ard Water Co. bonds, 
Michigan Air Line .Railroad bonds, 
Maine Central Railroad bonds, . 
Burlington and Missouri Railroad bonds, 
Chicago, Burlington & Quincy R.R. bonds 
Jackson, Lansing and Saginaw R.R. bonds 
New York and New England R.R. bonds, 
Union Pacific Railroad bonds, 
Union Pacific Trust bonds, 
Oregon Short Line Railway Company, 
Boston, Concord and Montreal R.R. bonds, 
Chicago, Clin., Dub. and Minn. R.R. bonds 
New Hampshire State bonds, 
Hillsborough County (N. H.) bonds, . 
Chicago and W. Michigan Railroad bonds 
Suncook Valley Railroad stock, . 
Merchants 1 National Bank stock, 
Chicago, Burlington and Quincy R.R. stock 
New York Central and H. R. R.R. stock, 
Norwich and Worcester Railroad stock, 
Pemigewasset Valley Railroad stock, 



Par value. 

$200,000 00 
47,700 00 
12,000 00 
10,000 00 
10,000 00 
10,000 00 

2,000 00 

5,000 00 
10,000 00 
10,000 00 
10,000 00 
24,000 00 
10,000 00 
20,000 00 
25,000 00 
10,000 00 
10,000 00 
62,000 00 
10,000 00 
10,000 00 

5,000 00 
13,000 00 

4,000 00 
10,000 00 
21,000 00 
10,000 00 

3,100 00 
25,000 00 



Market value, 

$238,510 00 
56,472 00 
12,600 00 
12,000 00 
11,000 00 
11,000 00 

2,200 00 

5,000 00 
11,200 00 
11,000 00 
11,500 00 
26,200 00 
11,000 00 
19,200 00 
29,000 00 

9,800 00 

9,200 00 
68,200 00 
10,300 00 
12,500 00 

5,600 00 
11,310 00 

4,400 00 
12,000 00 
25,400 00 
11,300 00 

4,700 00 
27,500 00 



$598,800 00 $680,092 00 



1883.] INS. COS. OF OTHER STATES. 



301 



Securities held as collateral for cash loans : — 



3 shares M. and C. Sav. Inst., Toledo, 
25 •• Chicago and W. Mich. R.R., 

225 " Boston, Con. and Mont. R.R., 

8 " Manchester and Lawrence R.R. 

40 " Phenix Insurance Co., 

100 " Amer. Ex. Co., . 

50 " N. Y. Central and H. R. R.R., 

50 " Lake Shore and Mich. So. R.R. 

4 " Chicago, Burl, and Quincy R.R. 
20 " N. Y. Central and H. R. R.R., 

5 " Manchester Mills, 

300 " Boston Water Power Co., . 

People's Savings Bank book, 
246 shares Chicago, Burl, and Quincy R.R. 

100 " Manchester and Lawrence R.R. 

50 " Chicago, Burl, and Quincy R.R. 

15 " Nashua C. and G. Paper Co., 

36 " Pullman Palace Car Co., . 

1 " Amoskeag Manufacturing Co., 

12 " Guaranty Sav. Bank, . 



Market value. 

$300 00 

1,121 00 

24,000 00 

1,280 00 

2,600 00 

8,200 00 

5,650 00 

4,900 00 

480 00 

2,260 00 

650 00 

600 00 

2,419 48 

29,520 00 

16,000 00 

6,000 00 

1,950 00 

4,140 00 

1,968 00 

1,320 00 

$115,358 48 



Loaned thereon. 

\ $800 00 

20,000 00 

| 3,000 00 

6,450 00 
\ 8,666 67 

\ 2,250 00 



} 



3,000 00 

22,000 00 
10,000 00 

6,500 00 

3,400 00 
1,562 50 
1,000 00 



,629 17 



Summary of Assets, Dec. 31, 1883. 

,246 86 



Loans on mortfge of real estate (first liens*), 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security as per schedule 
Cash deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (net), 
Gross assets, , . 



680,092 00 

88,629 17 

76,348 50 

5,988 00 

25,843 40 



$965,147 93 



Liabilities. 

Total amount of losses, ... 
Unearned premiums on outstanding risks, . 
Gross liabilities except capital, , 

Surplus as regards policy-holders, 
Paid-up capital, 



$31,000 00 
227,985 28 



258,985 28 



Surplus over capital, 



$706,162 65 
500,000 00 

$206,162 65 



* Total value of property mortgaged, . . $182,175 00 
Amount of insurance held as collateral, . 64,200 00 



302 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Income. 

Cash received for fire premiums, . . $513,130 61 
Deduct reinsurance and return premiums, . 75,338 54 

Net cash received for fire premiums, . . $437,792 07 

Interest and dividends received from all sources, . . 45,544 40 

Gross cash income, . / $483,336 47 

Expenditures. 

Cash paid for fire losses, ........ $254,245 05 

Cash dividends paid, 40,000 00 

Cash paid for commissions and brokerage, . . . 85,099 06 

for salaries of officers and employees, . . 16,731 16 

for State and local taxes, 14,099 91 

for incidentals, 24,889 57 

Gross cash expenditures, $135,064 75 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 
. $28,148,576 00 $335,170 81 
. 39,774,387 00 517,934 05 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



. $67,922,963 00 $853,104 86 
. 27,468,763 00 371,110 27 



),454,200 00 $181,994 59 
. 2,580,000 00 25,876 01 



.$37,874,200 00 $456,118 58 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, . 



$2,637,243 68 

1,407,495 87 

244,000 00 

40,000 00 

249,276 72 

200,000 00 



1883.] INS. COS. OF OTHER STATES. 



303 



NEW ORLEANS INSURANCE COMPANY, NEW ORLEANS, LA. 

[Incorporated 1805. Commenced business 1805. Reorganized 1872.] 

Paid-up Capital, $500,000. 

Jules Tuyes, President. John W. Hincks, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
New Orleans Water Works bonds, 
New Orleans City Railroad Co. bonds, 
New Orleans and Pacific Railway bonds, 
Louisiana Ice Manufacturing Co. bonds, 
Levee Steam Cotton Press bonds, 
Battalion Washington Artillery bond, 
St. Bernard Steam Engine Co. bond, . 
15 shares New Orleans City R. R. Co., 
5 " State Nat'l Bank, 
120 " Valette Dry Dock Co., 
85 " Importers 1 Bond. Warehouse Co 
15 " New Louisiana Jockey Club, 



Securities held as collateral for cash loans 



Louisiana State consols, 

21 shares New Orleans Insurance Co., 

44 shares Metairic Cemetery, 

2 first mortgage notes, 

1 first mortgage note, 
44 shares Mctairie Cemetery, 

1 " New Orleans Cotton Exchange, 
20 " Germania National Bank, . 

1 " New Orleans Cotton Exchange, 

1 " New Orleans Cotton Exchange, 
Louisiana State consols, 
4 first mortgage notes, 
4 first mortg'e bonds Levee S. Cotton Press 
50 shares Crescent Insurance Co., 
99 «■ Bienville Oil Works Co., . 
Premium bonds, 



Par value. 

1200,000 00 

25,000 00 

25,000 00 

2,000 00 

4,000 00 

24,000 00 

500 00 

100 00 

1,500 00 

500 00 

6,000 00 

3,500 00 

1,500 00 



Market value. 

$248,000 00 

26,000 00 

27,500 00 

1,820 00 

4,000 00 

24,720 00 

500 00 

100 00 

1,500 00 

700 00 

4,000 00 

1,260 00 

750 00 



§293,600 00 $340,850 00 



Market value. 

$6,700 00 

713 63 

5,368 00 

20,000 00 

12,000 00 

5,368 00 

1,900 00 

2,800 00 

1,900 00 

1,900 00 

3,350 00 

20,000 00 

2,060 00 

5,975 00 

10,385 00 

12,355 00 



Loaned thereon. 

\ $6,000 00 

4,000 00 

15,000 00 

4,500 00 



} 



9,000 00 

1,370 17 
1,750 00 
2,800 00 

15,000 00 

2,000 00 

500 00 

5,000 00 

10,000 00 



$112,774 63 $76,920 17 



304 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $63,581 00 

Loans on mortg'e of real estate (first liens*), 129,364 08 

Interest due or accrued thereon, . . . 4,937 71 

Stocks, bonds, etc., as per schedule, . . 340,850 00 

Loans on collateral security, as per schedule, 76,920 17 

Cash in office and bank, .... 94,189 36 

Premiums in course of collection (net), . 107,869 20 

Notes taken for marine and inland risks, . 14,348 45 

Reinsurance due, etc., 4,183 72 

Premiums more than 3 mos. due, $3,196 89 

Gross assets, 



1836,243 69 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Dividends to stockholders^unpaid, 
Due for reinsurance, . 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$28,904 99 

27,533 47 

2,000 00 

226,182 86 

4,370 50 

14,818 71 



Surplus over capital, 



303,810 53 

$532,433 16 
500,000 00 

$32,433 16 



Income. 



Cash received for fire premiums, 



$652,529 03 
242,154 38 



$218,794 28 
65,894 11 



Deduct reinsurance and return premiums, . 
Net cash received for fire premiums, . 
Cash rec'd for marine and inland premiums, 
Deduct reinsurance and return premiums, . 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages, . . 
Interest and dividends received from all other sources, 
Income from rents, ...„„.. 
from bills receivable, ..... 



$410,374 65 



152,900 17 

20,495 08 

17,721 25 

2,879 57 

12,472 19 



Gross cash income, 



$616,842 91 



* Value of lands mortgaged, . . . . $85,000 00 
Value of buildings thereon, .... 224,500 00 
Amount of insurance held as collateral, . 130,420 00 



1883.] INS. COS. OF OTHER STATES. 



305 



49,172 93 
38,060 58 



Expenditures. 

Cash paid for fire losses, .... $405,784 19 
Deduct salvage and reinsurance, . . 74,05103 

Net cash paid for fire losses, — 

Cash paid for marine and inland losses, . $1 
Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



531,733 16 



111,112 35 
45,629 50 
84,723 76 
32,089 59 
17,151 77 
30,944 81 

$653,384 94 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, , 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, . . . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$33,803,619 00 
48,087,057 00 



$81,890,676 00 
46,788,414 00 



15,102,262 00 
6,578,586 00 



Premiums. 

$373,650 10 

644,118 33 

11,017,768 43 

491,676 61 

$526,091 82 
121,411 60 



$28,523,676 00 $404,680 22 



$854,198 00 
28,837,277 00 



29,691,475 00 
27,194,547 00 

$2,496,928 00 
1,294,661 00 



$21,556 81 
265,107 47 

$286,664 28 
240,619 38 

$46,044 90 
22,167 18 



$1,202,267 00 $23,877 72 



Miscellaneous. 

Premiums received from reorganization of company, . $5,394,945 62 

Losses paid from reorganization of company, . . . 2,403,495 04 

Cash dividends declared from reorganization of company, 550,000 00 

Dividends declared during the year (10 per cent.), . . 50,000 00 

Fire losses incurred during the year, 353,945 13 

Marine and inland losses incurred during the year, . . 115,573 08 

Company's stock owned by directors, ..... 24,850 00 



306 FIRE, MARINE, AND FIRE-MARINE [Dec. 31 



1,090 00 


700 00 


600 00 


500 00 


13,000 00 


6,900 00 


5,800 00 


4,500 00 


1,750 00 


1,250 00 



NEW YORK BOWERY FIRE INSURANCE COMPANY, NEW 

YORK, N. Y. 

[Incorporated April, 1833. Commenced business September, 1833.J 

Paid-up Capital, $300,000. 

John A. Delanoy, Jr., President. Henry Griffen, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, ..... $700,000 00 $775,000 00 
Securities held as collateral for cash loans : — 

Market value. Loaned tbereon. 

Union Pacific Railroad bonds, 
Chesapeake and Ohio Railroad bonds, 
Bowery Savings Bank book, 
51 shares Importers' and Traders' Bank, 
67 " Michigan Central Railroad, . 
50 " Oriental Bank, 

$23,400 00 $ 14,850 00 



Summary of Assets, Dec. 31, 1883. 

Loans on mort'ge of real estate (first liens*), $44,700 00 

Interest due or accrued thereon, . . . 335 25 

Bonds, as per schedule, .... 775,000 00 

Loans on collateral security, as per schedule, 14,850 00 

Cash in the office of the company, . . 27,994 42 

Cash deposited in bank, .... 4,948 70 

Interest due and accrued, .... 435 50 

Premiums in course of collection (gross), . 32,000 00 

Gross assets — $900,263 87 



Liabilities. 

Losses adjusted, unpaid, .... $14,000 00 

claimed and reported, . . . 30,900 00 

disputed or resisted, . . . . 7,700 00 

Unearned premiums on outstanding risks, . 188,234 57 



* Value of lands mortgaged $50,000 00 

Value of buildings thereon, . . . . 75,000 00 

Amount of insurance held as collateral, . 58,600 00 



1883.] 



INS. COS. OF OTHER STATES. 



307 



Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$1,000 00 
6,400 00 



Surplus over capital, 



$248,234 57 

$652,029 30 
300,000 00 

$352,029 30 



Income. 

Cash received for fire premiums, . . $378,887 57 
Deduct reinsurance and return premiums, . 15,824 87 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 



$363,062 70 

2,640 00 

37,474 93 

$403,177 63 



Expenditures. 

Cash paid for fire losses, .... $252,137 64 
Deduct salvage and reinsurance, . , 4,393 31 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$247,744 33 
36,000 00 
68,012 39 
32,725 00 
6,116 96 
20,568 58 

$411,167 26 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

.$49,095,032 00 $338,220 68 
. 56,209,639 00 380,887 57 



Total, ..... 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



•5,304,671 00 $719,108 25 
49,719,470 00 347,776 72 



.$55,585,201 00 $371,331 53 
. 1,534,185 00 14,921 56 



.$54,051,016 00 $ 356,409 97 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



$5,765,252 85 

2,420,892 42 

2,672,500 00 

36,000 00 

229,635 17 

64,075 00 



308 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



NEW YORK FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April 18, 1832. Commenced business Dec. 22, 1832.] 

Paid-up Capital, $200,000. 

Daniel Underhill, President. Augustus Colson, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
New York county bonds, 
Long Island city bonds, 
113 shares People's Bank, . 
92 " Tradesmen's Bank, 
30 " Marine Bank, . 
47 " Mechanics' Bank, 



Par value. 

$135,000 00 

5,000 00 

10,000 00 

2,825 00 

3,680 00 

3,000 00 

1,175 00 



Market value. 

$162,450. 00 
5,400 00 
10,000 00 
4,280 85 
4,011 20 
4,800 00 
1,786 00 



$160,680 00 $192,728 05 



Securities held as collateral for cash loans : — 



Oxford Iron Company bond, 

2 shares Metropolitan Cafe Company, 
10 " Knickerbocker Insurance Co., 

4 " Peter Cooper Insurance Co., 



Market value. Loaned thereon. 



$800 00 


$750 00 


70 00 


50 00 


270 00 \ 
136 00/ 


250 00 



$1,276 00 $1,050 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $91,400 00 

Loans on mort'ge of real estate (first liens*), 78,550 00 

Interest due or accrued thereon, . . . 2,130 32 

Stocks, bonds, etc., as per schedule, . . 192,728 05 

Loans on collateral security, as per schedule, 1,050 00 

Cash in the office of the company, . . 2,248 06 

Cash deposited in bank, .... 12,625 80 

Interest due and accrued, .... 2,401 94 

Premiums in course of collection (gross), . 19,943 13 

Rents due and accrued, . . . 983 00 

Gross assets, ..... 



$104,060 30 



* Value of lands mortgaged $75,000 00 

Value of buildings thereon 112,000 00 

Amount of insurance held as collateral, . . 93,600 00 



1883.] INS. COS. OF OTHER STATES. 



309 



Liabilities. 

Losses adjusted, unpaid, .... $6,168 49 

claimed and reported, . . . 19,876 20 

disputed or resisted, . . . . 2,712 00 

Unearned premiums on outstanding risks, . 101,112 91 

Due and accrued for rent, salaries, etc., . 760 00 

State and local taxes, 240 00 

Commissions and brokerage, . . . 2,991 46 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, ..... 

Income. 

Cash received for fire premiums, . . $230,037 01 
Deduct reinsurance and return premiums, . 12,975 26 

Net cash received for fire premiums, . . 

Interest received on bonds and mort«;ao;es, 

Interest and dividends received from all other sources, 

Income from rents, 

Gross cash income, 



$133,861 06 

$270,199 24 
200,000 00 



$70,199 24 



5217,061 75 

4,787 44 

6,415 12 

5,837 08 



>34,101 39 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, — 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



[58,762 35 
4,773 03 



$153,989 32 

8,000 00 

30,182 63 

16,693 08 

2,507 56 

5,228 66 

$216,601 25 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



.$27,090,711 00 
. 31,198,000 00 



.$58,288,711 00 
. 32,488,268 00 



. $25,800,443 00 
112,100 00 



Premiums. 

$185,239 30 
236,662 32 



$421,901 62 
220,020 29 



$201,881 33 
462 86 



Net amount in force, 



.$25,688,343 00 $201,418 47 



310 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (4 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



$3,800,025 00 

1,368,582 00 

1,354,000 00 

8,000 00 

161,750 00 

31,700 00 



NIAGARA FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated July, 1850. Commenced business August, 1850.] 
Paid-up Capital, $500,000. 

Peter Notman, President Thomas F. Goodrich, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
Jersey City bonds, .... 
New York, Chic, and St LonisR. R, bonds 
Albany and Susq. R. R. bonds, . 
Delaware and Hudson Canal bonds, . 
Qnincy, Alton and St. Louis R. R. bonds, 
Chicago, Milwaukee & St. Paul RR. bonds 
St. Louis and Iron Mountain R.R. bonds, 
Lake Erie and Western R.R bonds, . 
Laf., Bloomington and Muncie R. R. bonds 
Chateaugay Iron and Ore Co. bonds, . 
Gulf, Col. and Santa Fe R.R. bonds, . 
Ohio Central R.R. bonds, 
Dundee Water Power and Land Co. bonds 
250 shares American Exchange Nat'l Bank 
200 " Delaware and Hudson Canal Co 
200 " New York Gas-Light Co., . 



Par value. 

$803,000 00 
8,000 00 
50,000 03 
50,000 00 
20,000 00 
50,000 00 
50,000 00 
50,000 00 
15,000 00 
35,000 00 
15,000 00 
15,000 00 
25,000 00 
20,000 00 
25,000 00 
21,320 00 
20,000 00 



Market value. 

2,245 00 

8,960 00 

50,750 00 

60,000 00 

23,200 00 

46,000 00 

53,250 00 

53,000 00 

14,100 00 

32,200 00 

15,000 00 

17,250 00 

16,250 00 

21,000 00 

32,500 00 

22,320 00 

29,000 00 



$1,272,320 00 $1,477,025 00 



Securities held as collateral for cash loans : — 



Market value. Loaned thereon. 

Buffalo, Brad, and Pittsburg R.R. bonds, . $14,000 00 $10,500 00 



1883.] 



INS. COS. OF OTHER STATES. 



311 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $22,000 00 

Loans on mort'ge of real estate (first liens*), 103,900 00 

Interest due or accrued thereon, . . . 3,117 00 

Stocks, bonds, etc., as per schedule, . . 1,477,025 00 

Loans on collateral security, as per schedule, 10,500 00 

Cash in the office of the company, . . 1,941 92 

Cash deposited in bank, .... 54,818 60 

Interest due and accrued, .... 16,264 16 

Premiums in course of collection (net), . 182,155 08 

Rents due and accrued, .... 224 00 

Reinsurance due, ....... 2,089 21 

Gross assets, 

Deduct special deposits in other States, .... 

Balance, 



,874,034 97 
76,300 00 

1,797,734 97 



Liabilities. 

Losses adjusted unpaid, . 
disputed or resisted, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due for reinsurance, .... 
Contingent expenses, .... 

Gross liabilities, except capital, . 
Deduct liabilities on special deposits, . 



Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, . 



$167,624 14 

13,400 00 

802,656 24 

315 00 

45,829 58 

20,000 00 

$1,049,824 96 
22,464 12 



1,027,360 84 

$770,374 13 
500,000 00 

$270,374 13 



Income. 



Cash received for fire premiums, 
Deduct reinsurance and return premiums, . 
Net cash received for fire premiums, . 
Interest received on bonds and mortgages, 



,569,519 78 
289,361 52 



$1,280,158 26 

6,318 57 

Interest and dividends received from all other sources, . 66,968 11 
Income from rents, 2,971 42 



Gross cash income, 



.,356,416 36 



* Value of lands mortgaged, .... $143,250 00 

Value of buildings thereon 70,250 00 

Amount of insurance held as collateral, . . 70,250 00 



312 FIRE, MARINE, AND FIRE-MARINE [Dec. 31 



Expenditures. 

Cash paid for fire losses, . . . 

Deduct salvage and reinsurance, . 

Net cash paid for fire losses, ... — 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



$954,513 24 
133,079 97 



Fire risks outstanding Dec. 31, 1882, , 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$130,800,266 00 

. 158,448,325 00 

$289,248,591 00 

. 129,622,712 00 

$159,625,879 00 

. 8,166,120 00 



$821,433 27 

60,230 50 

192,917 83 

75,379 37 

26,730 12 

120,038 73 

1,296,729 82 



Premiums. 

11,123,495 48 
1,595,521 97 

52,719,017 45 
1,097,118 25 

>1,621,899 20 
120,960 04 



$151,459,759 00 $1,500,939 16 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$15,520,502 20 
8,456,701 97 
1,784,000 00 
60,000 00 
901,521 85 
206,600 00 



NORTHWESTERN NATIONAL INSURANCE COMPANY, MIL- 
WAUKEE, WIS. 

[Incorporated Feb. 20, 1869. Commenced business July 1, 1869.] 

Paid-up Capital, $600,000. 

Alexander Mitchell, President. John P. McGregor, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, . . ... $120,000 00 $522,980 00 
Chic, Milwaukee and St. Paul R.R. bonds, . 117,000 00 144,280 00 
Milwaukee county bonds, .... 23,200 00 25,630 00 



$560,200 00 $092,890 00 



1883.] INS. COS. OF OTHER STATES. 



313 



Summary of Assets, Dec. 31, 1883. 

$200,500 00 

1,961 82 

692,890 00 



Loans on mort'ge of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, 
Interest accrued, .... 
Premiums in course of collection (net), 
Board of Trade certificates, 

Salvage, 

Gross assets, .... 



5,829 11 
247,125 13 
1,298 11 
31,793 99 
3,500 00 
2,650 00 



.,187,548 16 



Liabilities. 

Losses adjusted, unpaid, .... $14,525 23 

claimed and reported, . . . 26,350 00 

disputed or resisted, .... 5,650 00 

Unearned premiums on outstanding risks, . 297,700 69 

Bills payable, 5,958 65 

Gross liabilities, except capital, . . 

Surplus as regards policy-holders, .... 
Paid-up capital, 



Surplus over capital, 



350,184 57 

. $837,363 59 
600,000 00 

. $237,363 59 



Income. 

Cash received for fire premiums, . . $171,666 71 
Deduct reinsurance and return premiums, . 46,924 58 

Net cash received for fire premiums, . . 

Cash rec'd for marine and inl'd premiums, . $32,582 45 
Deduct reinsurance and return premiums, . 5,643 33 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from all other sources, 

Gross cash income, $500,514 97 



$424,742 13 



26,939 12 

10,492 47 

36,218 47 

2,092 78 



Expenditures. 



Cash paid for fire losses, 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, 



$213,209 98 
9,682 20 



$203,527 78 



* Value of lands mortgaged, .... $266,000 00 
Value of buildings thereon, .... 300,500 00 
Amount of insurance held as collateral, . . 186,400 00 



314 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash paid for marine and inland losses, . $49,765 14 
Deduct salvage and reinsurance, . . 19,063 38 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, . . . . 



#30,701 76 
G0,000 00 
73,841 39 
38,991 93 
11,173 78 
40,585 02 

$458,821 66 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 

Total, . . . . . 
Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks outstanding Dec. 31, 1882, 
written during 1883, 



Total, 

Deduct risks expired and terminated, . 

In force at end of year, 



£35,920,552 00 
46,566,225 00 



$82,486,777 00 
37,923,553 00 



$44,563,224 00 
235,957 00 



Premiums. 

£432,960 97 
475,848 68 



$908,809 65 
361,801 23 



$547,008 42 
2,927 71 



$44,327,267 00 $544,080 73 



$75,000 00 
6,262,673 00 



$1,000 00 
32,582 45 



16,337,673 00 
6,212,673 00 



£33,582 45 
32,582 45 



$125,000 00 $1,000 00 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the vear, . 
Company's stock owned by directors, .... 



$5,222,670 22 

2,860,150 36 

507,000 00 

60.000 00 
207,592 13 

35.001 46 
304,400 00 



.1883.] 



INS. COS. OF OTHER STATES. 



815 



ORIENT INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated June, 1867. Commenced business January, 1872.] 

Paid-up Capital $1,000,000. 

John W. Brooks, President. Geo. W. Lester, Secretary. 



Detailed Statement of Stocks, 

504 shares American Nat'l Bank, Hartford 

122 • 

130 ' 

150 ' 

152 ' 

62 ■ 

18G ' 

132 ■ 

1000 ' 

71 ' 

100 ' 

200 ' 

100 ' 

6 ' 

75 ' 

302 ' 

300 ' 

400 ' 

200 ' 

100 ' 

50 ' 

100 ' 

18 « 



1 JEtna Nat'l Bank, Hartford, 
' Charter Oak Nat'l B'k, Hartfd, 
' Farm's & Mech. N. B'k, Hartfd, 
' Mercantile Nat'l B'k, Hartford, 
1 Phcenix Nat'l Bank, Hartford, 
' Exchange Nat'l Bank, Hartford, 
' City Nat'l Bank, Hartford, 
' Hartford Nat'l Bank, Hartford, 
1 First Nat'l Bank, Hartford, 
1 Conn. Trust &S.D. Co., H'ford, 
' Thames Nat'l Bank, Norwich, 
' First Nat'l Bank, Norwich, 
' Rockville Nat'l B'k, Rockville, 
8 Metropolitan Nat'l Bank, N. Y 
6 Mechanics' Nat'l Bank, N. Y., 
1 N. Y., N. H. & Hartfd R.R. Co., 
' Cleveland & Pittsburgh R.R. Co., 
' New York Cent. & H. R. R.R. 
' Chicago, Burl. & Qnincy R. R. 
1 Union Pac. Railroad Co., . 
1 Central Pacific Railroad Co., 
' Naugatuck Railroad Co., . 

Terre Haute & Logansport Railroad bonds, 

C. M. and St. Paul R.R. I. & D. Ext., . 

Indianapolis and Cincinnati R.R. bonds, 

Dayton and Michigan R.R. bonds, 

Vermont Valley R.R. bonds, 

St. Johnsbnry & L. Champlain R.R. bonds, 

C. C. C. & I. R.R. bonds, . 

Kansas Pac. R.R. 1st. (consolidated) bonds, 

Morris and Essex R.R. 1st. " bonds, 

County of Peoria, 111. bonds, 

Town of Pawtucket, R. I. bonds, 

City of New Brunswick, N. J. bonds, . 

City of Evansville, Ind. bonds, . 

Atlantic Dock Company bonds, . 

Town of Norwich, Conn., bonds, 

City of Lockport, N. Y., bonds, . 

City of Washington, Ind., bonds, 



Bonds, etc. 

Par value. 

$25,200 00 
12,200 00 
13,000 00 
15,000 00 
15,200 00 

6,200 00 

9,300 00 

13,200 00 

100,000 00 

7,100 00 

10,000 00 

20,000 00 

10,000 00 

600 00 

7,500 00 

7,550 00 
30,000 00 
20,000 00 
20,000 00 
10,000 00 

5,000 00 
10,000 00 

1,800 00 
10,000 00 
20,000 00 
16,500 00 
25,000 00 
25,000 00 
15,000 00 
25,000 00 
10,000 00 
10,000 00 

5,000 00 
25,000 00 
10,000 00 
15,000 00 

9,000 00 
60,000 00 
10,000 00 

9,000 00 



Market value. 

$37,800 00 

16,470 00 

19,500 00 

19,500 00 

19,760 00 

10,912 00 

14,322 00 

12,276 00 

180,000 00 

8,520 00 

12,000 00 

30,200 00 

11,800 00 

720 00 

11,250 00 

11,325 00 

52,800 00 

26,600 00 

22,600 00 

12,000 00 

3,750 00 

6,450 00 

3,240 00 

10,100 00 

24,800 00 

18,480 00 

26,500 00 

26,500 00 

16,500 00 

29,625 00 

9,700 00 

12,450 00 

5,500 00 

.30,000 00 

10,500 00 

15,000 00 

9,540 00 

78,000 00 

11,500 00 

10,350 00 



316 FIRE, MARINE, AND FIRE-MARINE [Doc. 31. 



City of Inclianopolis, Ind., bonds, 
City of Des Moines, Iowa, bonds, 
Town of Hartford, Conn., bonds, 
Town of Windsor Locks, Conn., bonds, 



Par value. Market value. 

$20,000 00 $22,000 00 

10,000 00 11,500 00 

4,000 00 4,200 00 

2,500 00 2,500 00 



$704,850 00 $929,040 00 



Securities held as collateral for cash loans : — 

Market value. 

25 shares Nat'l Fire Ins. Co., Hartford, . $3,100 00 

16 " Nat'l Fire Ins. Co., Hartford, . 1,984 00 
20 " Conn. Fire Ins., Co., Hartford, . 2,460 00 
30 " JEtna Life Ins. Co., Hartford, . 6,900 00 
35 " Conn. Gen. Life Ins. Co., H'tf 'd, 4,200 00 
15 " Travelers' Ins. Co., Hartford, . 4,350 00 
15 " JEtna Fire Ins. Co , Hartford, . 3,375 00 

4 " JEtna Fire Ins. Co., Hartford, . 900 00 
3 " JEtna Fire Ins. Co., Hartford, . 675 00 

25 " JEtna Fire Ins Co., Hartford, . 5,025 00 

10 " ^Etna Fire Ins. Co., Hartford, . 2,250 00 

2 " JEtna Fire Ins. Co., Hartford, . 450 00 
15 " American Nat'l B'k, Hartford, . 1,125 00 

5 " Charter Oak Natl B'k, Hartf 'd, 650 00 

3 " First Nat'l Bank, Hartford, . 360 00 

5 " Security Co., Hartford, . . 625 00 
25 " Hartford Trust Co., Hartford, . 2,625 00 

100 " Collins Co., Collinsville, Conn., 1,100 00 

6 " Am. Screw Co., Prov., R.I,, . 1,650 00 

24 " Adams Express Co., . . . 3,096 00 
5 " Adams Express Co., . . . 645 00 

7 " Middlesex Co. N. B'k, Middlet'n, 840 00 
46 " N. Y.,N.H.& Hartf 'd R R Co., 8,096 00 
10 « N.Y.,N.H. & Hartf 'd R.R. Co., 1,760 00 
10 " N. Y. Cent'l & H. R. R.R. Co., . 1,130 00 

100 " Pennsylvania Railroad Co., . 5,800 00 

25 " Union Pacific Railroad Co., . 1,875 00 
65 " Eagle Lock Co., Terry ville, Ct., 3,900 00 
10 " Mcriden Britannia Co., Meriden,Ct., 1,000 00 
50 " Oregon Improvement Co., . 2,850 00 

17 " Chicago, Burl. & Quincy R. R., 2,040 00 
1070 " Willimantic Linen Co., Hartf, 53,500 00 

310 " Willimantic Linen Co., Hartf d, 17,000 00 

40 " Adams Express Co., . . 5,160 00 

28 " Adams Express Co., . . 3,612 00 

Morris and Essex Railroad Co. bonds, . 2,700 00 

Cleveland and Toledo R.R. Co. bonds, . 3,150 00 

Keokuk and Des Moines R.R. Co. bond, . 525 00 



Loaned thereon. 

$800 00 

1,350 00 

1,350 00 

1,200 00 

3,000 00 

2,610 00 

2,520 00 

700 00 

500 00 

5,000 00 

800 00 



1 



J 



} 



1 



1,880 00 



y 4,050 00 



1,350 00 
500 00 
560 00 

1,000 00 

2,000 00 

3,300 00 
242 00 



}» 5,000 00 



35,000 00 
16,000 00 

4,000 00 

3,000 00 



$163,083 00 $97,512 00 



1883.] 



INS. COS. OF OTHER STATES. 



317 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $29,494 69 

Loans on mortg'e of real estate (first liens*), 220,669 08 

Interest due or accrued thereon, . . . 3,000 84 

Stocks, bonds, etc., as per schedule, . . 929,040 00 

Loans on collateral security, as per schedule, 97,512 00 

Cash in the office of the company, . . 1,679 70 

Cash deposited in bank, .... 53,683 00 

Interest due and accrued, .... 12,252 89 

Premiums in course of collection (net), . 64,402 21 

Rents due and accrued, . . . 160 00 

Gross assets, . . . .-.■.< 



,411,894 41 



Liabilities. 

Losses adjusted and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$57,746 6Q 
3,204 00 

280,458 79 



Surplus over capital, 



341,409 45 

51,070,484 96 
1,000,000 00 

$70,484 96 



$494,132 43 
65,435 56 



Income. 

Cash received for fire premiums, 
Deduct reinsurance and return premiums, 

Net cash received for fire premiums, . . - 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Gross cash income, . . . . 



$428,696 87 

12,509 61 

57,228 89 

1,080 50 

$499,515 87 



Expenditures 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, - 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, „ 

for incidentals, 

Gross cash expenditures, 



$253,767 01 
4,296 86 



$249,470 15 
80,000 00 
69,219 42 
32,316 31 
11,190 83 
40,648 85 

. $482,845 



* Total value of property mortgaged, . . $579,050 00 
Amount of insurance held as collateral, . 200,090 00 



318 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

39,300,398 00 $481,854 25 
40,497,328 00 517,771 44 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$79,797,726 00 $999,625 69 
36,431,264 00 448,557 47 



$13,366,462 00 $551,063 22 
409,475 00 6,969 38 



$42,956,987 00 $544,098 84 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



$3,778,916 04 

2,218,564 40 

605,000 00 

80,000 00 

288,739 65 

80,300 00 



ORIENT MUTUAL INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated Feb. 18, 1854. Commenced business Marcb 1, 1854.] 

Eugene Dutilh, President. Charles Irving, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
Atlantic Mutual Insurance Co. scrip, . 



Par value. Market value. 

200,000 00 $215,187 50 
3,030 00 3,030 00 



$203,030 00 $218,217 50 



Summary of Assets, Dec. 31, 1883. 



Cash value of unencumbered real estate, 

Bonds, etc., as per schedule, 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross), 

Notes taken for marine and inland risks, 

All other .assets, 

Gross assets, 



$100,000 00 

218,217 50 

31,425 39 

4,648 02 

41,165 62 

182,783 49 

13,590 50 



$391,830 52 



1883.] INS. COS. OF OTHER STATES. 



319 



Liabilities. 

Total amount of losses unpaid, . 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
Commissions and brokerage, 
Due for reinsurance, .... 
Gross liabilities except scrip, 



$34,530 37 

63,937 27 

631 00 

9,563 59 

685 77 

1,536 01 



Surplus as regards policy-holders, ...... 

Scrip outstanding, not ordered to be redeemed, . 

Surplus over scrip, 

Income. 

Cash rec'd for marine and inland premiums, $413,977 33 
Deduct reinsurance and return premiums, . 95,250 52 

Net cash rec'd for marine and inl'd prom's, 

Interest and dividends received from all sources, 
Income from rents, 

Gross cash income, ....... 

Expenditures. 

Cash paid for marine and inland losses, . $289,195 74 
Deduct salvage and reinsurance, . . 43,109 96 

Net cash paid for marine and inland losses, _— > - 

Cash paid scrip-holders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, ...... 

Risks and Premiums. 

Marine risks outstanding Dec. 31, 1882, . $1,768,248 00 
written during 1883, . . 46,549,122 00 



Total, . . . .'..-, 
Deduct risks expired and terminated, 

In force at end of year, 



. $51,317,370 00 
. 46,185,633 00 



$110,884 01 

$780,946 51 

593,203 00 

$187,743 51 



$318,726 81 

9,508 72 

33,050 00 

$361,285 53 



$246,085 78 
39,241 77 
19,496 94 
38,449 96 
10,569 10 
10,217 33 

$364,060 88 



Premiums. 

$63,576 63 
427,818 08 

$191,394 71 
427,457 44 



>,131,737 00 $63,937 27 



Miscellaneous. 

Premiums received from organization of company, . 

Losses paid from organization of company, 

Marine and inland losses incurred during the year, . 



$24,134,464 40 

. 13,023,772 77 

241,935 52 



120 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



PACIFIC FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April 26, 1851. Commenced business April 29, 1851.] 

Paid-up Capital, $200,000. 

Thomas F. Jeremiah, President. Frank T. Stinson, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, 

New York Central and H. R. R.R. bonds, . 
Syracuse, BinglfnnVn and N. Y. R.R. bonds, 



$459,000 00 $561,283 75 

10,000 00 13,350 00 

5,000 00 6,300 00 



$474,000 00 $580,933 75 



Securities held as collateral for cash loans 

10 shares Star Fire Insurance Company, . 
10 " People's Fire Insurance Co., 
2 " Eighth Avenue Railroad, 
Syracuse, Bingh'mt'n and N. Y. R.R bond, . 



Market value. 


Loaned thereon. 


$600 00 


$500 00 


575 00 


400 00 


400 00 


200 00 


1,250 00 


350 00 



!,825 00 



.,450 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $70,000 00 

Loans on mort'ge of real estate (first liens*)! 58,300 00 

Interest due or accrued thereon, . . . 424 12 

Stocks, bonds, etc., as per schedule, . . 580,933 75 

Loans on collateral security, as per schedule, 1,450 00 

Cash in the office of the company, . . 6,730 20 

Cash deposited in bank, .... 1,546 70 

Interest due and accrued, .... 6,383 66 

Premiums in course of collection (gross), . 19,662 83 

Rents clue and accrued, .... 170 83 
Premiums more than 3 mos. due, $717 57 



vjuuss asiseis, ...... 

Liabilities. 

Losses adjusted unpaid, .... 
claimed and reported, 
disputed or resisted, 


$6,525 00 

17,575 00 

3,600 00 


Total amount of losses, .... 
Less reinsurance, ...... 


$27,700 00 
2,500 00 



$745,602 09 



Net amount of unpaid losses, 



$25,200 00 



* Value of lands mortgaged $54,600 00 

Value of buildings thereon 76,900 00 

Amount of insurance held as collateral, . . 63,700 00 



1883.] INS. COS. OF OTHER STATES. 



321 



Unearned premiums on outstanding risks, . $140,822 55 

State and local taxes, 700 00 

Commissions and brokerage, . . . 3,144 04 

Gross liabilities, except capital, . . $169,866 59 



Surplus as regards policy-holders, .... $575,735 50 
Paid-up capital, 200,000 00 



Surplus over capital, 



. $375,735 50 



Income. 

Cash received for fire premiums, . . $254,565 65 
Deduct reinsurance and return premiums, . 19,335 66 

Net cash received for fire premiums, . . $235,229 99 

Interest received on bonds and mortgages, . . . 3,637 00 

Interest and dividends received from all other sources, . 16,441 13 

Income from rents, 2,912 52 

Gross cash income, $258,220 64 



Expenditures. 

Cash paid for fire losses, . . , . $131,714 62 
Deduct salvage and reinsurance, . . . 5,9G2 06 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$125,752 56 
28,000 00 
49,438 42 
23,407 81 
8,362 93 
13,770 49 

$248,732 21 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

$32,857,780 00 $231,782 99 
35,490,950 00 262,779 87 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



,348,730 00 $494,562 86 
32,235,955 00 216,017 88 



$36,112,775 00 $278,544 98 
870,023 00 7,557 32 



Net amount in force, 



.$35,242,752 00 $270,987 66 



322 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (14 per cent), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



$4,059,054 00 

1,847,836 24 

1,124,000 00 

28,000 00 

124,322 56 

57,050 00 



PENNSYLVANIA FIRE INSURANCE COMPANY, PHILADEL- 
PHIA, PENN. 

[Incorporated March, 1825. Commenced business April, 1825 ] 

Paid-up Capital, $-100,000. 

John Devereux, President. John L. Thomson, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, ■*. 
Philadelphia city loans, 
Philadelphia, Wil. and Bait. R. R. stock, 
Philadelphia and Erie R.R. G. loan, . 
Pennsylvania Railroad Co. loan, . 
United Companies of New Jersey loan, 
Easton and Amboy Railroad Co. loan, 
Philadelphia and Reading R.R. Co. loan, 
Phila. and Reading Coal and Iron Co. loan 
North Pennsylvania Railroad Co. loan, 
Lehigh Valley Railroad Co. ioan, 
Elmira and Williamsport R. R. Co. loan, 
West Jersey Railroad Co. loan, . 
Penn. and N. Y. Canal and R. R. Co. loan 
Delaware Railroad Co. M. loan, . 
W. Pennsylvania Railroad Co. loan, . 
Chicago and W. Indiana R.R Co. loan, 
Jacksonville and So. E. R. R loan, 
Shamokin, Sunb'y and LewisbV R R. loan, 
Corn'g, Cowanesque and Antrim R.R. loan, 
Terre Haute and Logan sport R. R. loan, 
New York and Long Branch R. R. loan, 
Northern Pacific Railroad Co. loan, . 
American Steamship Co. of Phila. loan, 
Schuylkill Navigation Co. loan, . 
Lehigh Coal and Navigation Co. loan, 
Chesapeake and Delaware Canal Co. loan 
Delaware Division Canal Co. loan, 
The Pennsylvania Co. loan, 
The Car Trust of Pennsylvania loan, . 



Par value. 

$1,000 00 
50,000 00 
110,000 00 
75,000 00 
99,000 00 
60,000 00 
50,000 00 
127,500 00 
20,000 00 
40,000 00 
55,000 00 
25,000 00 
10,000 00 
24,000 00 
15,000 00 
4,000 00 
50,000 00 
30,000 00 
20,000 00 
30,000 00 
50,000 00 
25,000 00 
40,000 00 
15,000 00 
20,700 00 
20,000 00 
10,000 00 
20,000 00 
14,000 00 
24,000 00 



Market value. 
$1,010 00 

63,318 50 

106,000 00 
77,812 50 

107,880 00 
69,150 00 
53,500 00 

137,512 50 
16,000 00 
41,800 00 
66,550 00 
29,250 00 
12,200 00 
30,240 00 
17,250 00 
4,280 00 
53,400 00 
27,600 00 
19,666 67 
30,300 00 
52,000 00 
25,112 50 
42,400 00 
16,200 00 
20,048 00 
22,500 00 
7,400 00 
20,000 00 
14,910 00 
24,120 00 



1883.] INS. COS. OF OTHER STATES. 



323 



The New Jersey Car Trust loan, 
The Central New Jersey Car Trust loan, 
The N. Y. and Pacific Car Trust loan, 
Car Trust of New York No. 2 loan, . 
Central R. R. Co. of New Jersey Car Trust 
N. Y., Penn. and Ohio Car Trust loan, 
Iron Mountain Car Trust loan, 
Colorado Rolling Stock Trust, 
Harrisburg city loan, 
St. Louis city loan, 
Camden county loan, 
Cincinnati city loan, 
Pittsburgh city loan, 
Newark city loan, 

200 shares Philadelphia National Bank, 
20 " Manayunk Gas Company, . 



Securities held as collateral for cash loan 

65 shares Pennsylvania Railroad, . 
3 " Ins. Co. State of Pennsylvania, 
1000 " Philadelphia and Reading R.R 
1000 " Germantown Pass R.R., . 

625 " Penn. &N.Y. Canal & R.R. Co. 

625 " Penn. and N. Y. Canal Co., 
1300 " Lehigh Coal and Nav. Co., 
Car Trust Co. N. Y. bonds, . • . 
Car Trust Co. N. Y. bonds, . 
N. Y., Chicago and St. Louis R.R. bonds, 
Northern Pacific Railroad bonds, 
Oregon R. R. and Nav. Co. bonds, 



Par value. 

$7,000 00 
12,000 00 
72,000 00 
22,000 00 
30,000 00 
20,000 00 

7,000 00 
20,000 00 
18,000 00 
25,000 00 
12,000 00 
53,000 00 
60,000 00 
20,000 00 
20,000 00 

1,000 00 



Market value. 

$7,0-10 83 
12,180 00 
72,420 00 
22,440 00 
30,450 00 
20,100 00 

7,035 00 
20,466 67 
21,150 00 
28,750 00 
13,200 00 
67,660 00 
71.330 00 
23,350 00 
44,500 00 

1,000 00 



$1,533,200 00 $1,672,483 17 


ns : — 

Mai'ket value. Loaned thereon. 


$3,761 00 


$2,800 00 


990 00 


700 00 


27,500 00 


20,000 00 


70,000 00 


52,500 00 


62,500 00 


50,000 00 


62,500 00 


50,000 00 


57,525 00^1 
6,000 00/ 


50,000 00 


21,000 00 \ 
10,200 00/ 


25,000 00 


10,500 00^ 
4,160 00 / 


10,000 00 



$336,636 00 $261,000 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $115,000 00 

Loans on morfge of real estate (first liens*) , 184,070 00 

Interest due or accrued thereon, . . . 3,883 44 

Stocks, bonds, etc., as per schedule, . . 1,672,483 17 

Loans on collateral security, as per schedule, 261,0C0 00 

Cash in the office of the company, . . 1,045 91 

Cash deposited in bank, .... 25,806 58 

Interest due and accrued, .... 2,128 67 

Premiums in course of collection (gross), . 57,403 75 

Gross assets, 



$2,322,821 52 



* Total value of property mortgaged, . . $545,000 00 
Amount of insurance held as collateral, . 136,000 00 



324 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 

Amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



,117 67 
499,479 85 
454,439 33 



Surplus over capital, 



$1,025,036 85 

$1,297,784 67 
400,000 00 

$897,784 67 



Income. 

Cash received for fire premiums, . . $941,862 69 
Deduct reinsurance and return premiums, . 127,288 83 

Net cash received for fire premiums, . . $814,573 86 

Interest received on bonds and mortgages, . . . 10,378 22 

Interest and dividends received from all other sources, . 98,631 68 

Income from rents, 250 00 

from perpetuals, . 566 14 

Deposits received for perpetual fire risks, . $22,690 53 



Gross cash income, f 924,399 90 



Expenditures. 

Cash paid for fire losses, .... 
Cash dividends paid, ..... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees 

for State and local taxes, . 

for incidentals, . . . 

for loss on securities sold, . 
Peposits returned on perpetual fire risks, . 



5619,950 35 

40,000 00 

176,539 09 

25,447 16 

21,297 37 

43,244 92 

11,691 98 



),010 53 



Gross cash expenditures, 



$938,170 87 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force. 
Perpetual risks (not included above), 



,849,770 00 
73,859,254 00 



$142,709,024 00 
60,175,578 00 

.$82,533,446 00 
2,640,908 CO 

. $79,892,538 00 
18,680,865 00 



Premiums. 

,814 62 
943,996 45 

51,770,811 07 
754,971 39 

51,015,839 68 
43,241 55 

$972,598 13 
486,871 60 



1883.] 



INS. COS. OF OTHER STATES. 



325 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$10,985,110 00 

7,313,420 00 

2,139,000 00 

40,000 00 

622,358 24 

58,000 00 



PEOPLE'S FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated, 1851. Commenced business April 23, 1851,] 

Paid-up Capital, $200,000. 

F. V. Price, President. A. C. Milne, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Union Pacific Railroad bonds, 
120 shares Union Pacific Railroad, 
Northern Pacific Railroad bonds, 
Kansas Pacific Railroad bonds, . 
Int. aud Great No. Railroad bonds, 
100 shares N. Y. Cent'l and Hud Riv. R R 
100 " National Bank of Commerce, 
100 " People's Bank, . 
5 " Second Avenue Railroad, . 



Par value. 

.79,000 00 

30,000 00 

12,000 00 

20,000 00 

20,000 00 

10,000 00 

10,000 00 

10,000 00 

2,500 00 

500 00 



Market value. 

$223,960 00 
34,600 00 

8,880 00 
20,200 00 
19,200 00 

8,200 00 
11,200 00 
15,400 00 

4,000 00 

1,100 00 



$294,000 00 $346,740 00 



Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

50 shares Amer. Mer. Union Express Co., . $4,500 00 $3,700 00 



Summary of Assets, Dec. 31, 1883. 

Loans on mort'ge of real estate (first liens*), $16,500 00 

Interest due or accrued thereon, . . . 660 00 

Stocks, bonds, etc., as per schedule, . . 346,740 00 

Loans on collateral security, as per schedule, 3,700 00 

Cash in the office of the company, . . 2,069 39 



* Value of lands mortgaged, .... $30,000 00 

Value of buildings thereon 21,500 00 

Amount of insurance held as collateral, . . 14,200 00 



326 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash deposited in bank, . . . . $7,794 17 

Interest accrued, . . . . . . 4,423 51 

Premiums in course of collection (gross), . 18,233 26 
Premiums more than 3 mos. due, $416 60 

Gross assets, ...... 



$400,120 33 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 

Total amount of losses, . ... 
Less reinsurance, 

Net amount of unpaid losses, . 

Unearned premiums on outstanding risks, 

State and local taxes, . . . ■ . 

Commissions and brokerage, 

Return premiums, .... 

Rent, etc., 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 



$3,484 45 

3,468 95 

2,500 00 

$9,453 40 

216 94 

$9,236 46 

77,753 20 

600 00 

3,756 61 

1,036 62 

951 18 



93,334 07 

$306,786 26 
200,000 00 

$106,786 26 



Income. 

Cash received for fire premiums, . . $159,835 51 
Deduct reinsurance and return premiums, . 15,851 27 

Net cash received for fire premiums, . . $143,984 24 

Interest received on bonds and mortgages, . . . 825 00 

Interest and dividends received from all other sources, . 14,376 40 

Gross cash income, $159,185 64 



Expenditures. 

Cash paid for fire losses, .... $58,702 56 
Deduct salvage and reinsurance, . . 1,219 04 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 



$57,483 52 
20,000 00 
30,594 96 
10,287 78 
2,224 55 
14,070 95 



Gross cash expenditures, 



$134,661 76 



1883.] INS. COS. OF OTHER STATES. 



327 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

13,464,499 00 $105,012 17 
19,485,266 00 167,556 67 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



.32,949,765 00 $272,568 84 
15,216,022 00 117,692 86 



17,733,743 00 $154,875 98 
575,821 00 5,271 87 



47,157,922 00 $149,604 11 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



$2,172,528 40 

1,051,694 56 

478,000 00 

20,000 00 

52,881 14 

48,500 00 



PHENIX INSURANCE COMPANY, BROOKLYN, N. Y. 

[Incorporated Sept. 10, 1853. Commenced business Sept. 10, 1853.] 

Paid-up Capital, $1,000,000. 

Stephen Ckowell, President. Philander Shaw, Secretary. 



Detailed Statement of Stocks, 



United States bonds, 

Tennessee state bonds, 

Mississippi State warrants, . 

Virginia deferred certificate, 

City of Brooklyn bonds, 

1158 shares Citizens' Gas Light Co , B'klyn 

Nassau Gas Light Co., Brooklyn, certs., 

900 shares Nassau Gas Light Co., B'klyn, 

285 " New York Mut. Gas Light Co , 

New York Mutual Gas Light Co bonds, 

People's Gas Light Co., Brooklyn, bonds, 

295 shares People's Gas Light Co , B'klyn 

352 

126 

138 

65 

5000 



Brooklyn Gas Light Co., B'klyn 
New York Gas Light Co., 
Municipal Gas Light Co., N.Y. 
Union Ferry Co , Brooklyn, 
Brooklyn City R.R Co., B'klyn 



Bonds, etc 

Par value. 

737,500 00 

45,000 00 

20,000 00 

14,772 33 

21,000 00 

23,160 00 

17,000 00 

22,500 00 

28,500 00 

37,000 00 

62,000 00 

2,950 00 

8,800 00 

12,600 00 

13,800 00 
6,500 00 
50,000 00 



Market value. 

901,112 50 
18,000 00 
20,000 00 

1,477 23 
28,260 00 
20,844 00 
17,000 00 
16,875 00 
35,910 00 
39,220 00 
67,200 00 

2,065 00 
11,440 00 
18,522 00 
27,600 00 
10,725 00 
110,000 00 



328 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



150 shares Cent. P'k, N. and E. R. R.R., N.Y 
100 " Ninth Avenue R.R. Co., N.Y., 
100 " Chris. & Tenth St. R.R. Co., N.Y 

50 " B'dway & 7th Av. R.R. Co., N.Y 

50 " Second Ave. R.R. Co., N.Y., 

95 " Twenty-third St. R.R. Co., N.Y. 

56 " B'dway (Brooklyn) R.R. Co., 
278 " Atlantic Ave, B'klyn, R.R. Co., 
500 " N. Y. Cent, and H. R. R R. Co., 
Houston and Texas R.R. Co bonds, . 
Long Island R.R. Co. bonds, 
L. I. City and Flushing R.R. Co. bonds, 
N. Y., Chic, and St. Louis R.R. Co. bonds, 
Central Railroad, N. J., bonds, . 
Toledo, Ann Arbor and G. T. R.R. Co. b'ds 
South Side R.R. Co. of L. I. bonds, 
Smithtown and Port Jefferson R.R. bonds, 

80 shares Commercial Bank, Brooklyn, 

13 " Merchants' Nat'l Bank, N.Y., 
500 " Metropolitan Nat'l Bank, N.Y., 
500 " American Ex. Nat'l Bank, N.Y. 
200 " Central Nat'l Bank, N.Y , . 

50 " Nat'l Shoe and Leather B'k, N.Y. 
100 " St. Nicholas Nat'l Bank, NY., 
287 " Nat'l Bank of the Republic, 

87 " Nat'l Bank of Commerce, . 
200 " Fourth Nat'l Bank, . 

40 " Mechanics' Nat'l Bank, 
100 " Mercantile Nat'l Bank, 
290 " Mechanics' Bank, Brooklyn, 

80 " Nat'l City Bank, Brooklyn, 
250 " Brooklyn Trust Company, . 
500 " Western Union Telegraph Co., 



Par value. 

$15,000 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 

9,500 00 

5,600 00 

13,900 00 

50,000 00 

3,000 00 

100,000 00 

15,000 00 

100,000 00 

3,000 00 

50,000 00 

25,000 00 

10,000 00 

4,800 00 

650 00 

50,000 00 

50,000 00 

20,000 00 

5,000 00 

10,000 00 

28,700 00 

8,700 00 

20,000 00 

1,000 00 

10,000 00 

14,500 00 

4,000 00 

6,250 00 

50,000 00 



Market value. 

$22,500 00 

9,000 00 
12,000 00 

7,750 00 
11,250 00 
15,960 00 
12,320 00 
22,518 00 
56,937 50 

3,540 00 

100,000 00 

15,000 00 

102,000 00 

3,450 00 
47,500 00 
26,312 50 
10,300 00 

5,760 00 

845 00 

77,500 00 

65,000 00 

26,000 00 

7,000 00 
15,000 00 
34,440 00 
13,485 00 
26,000 00 

1,500 00 
11,900 00 
31,175 00 
11,000 00 
12,812 50 
37,500 00 



,836,682 33 $2,201,506 23 



Securities held as collateral for cash loans : — 



Market value. Xoaned thereon. 



50 shares Firemen's Trust Ins. Co., B'klyn 

7 " Market Nat'l Bank, N.Y., . 
People's Gas Light Co., Brooklyn, bonds, 
30 shares Standard Fire Ins. Co., N.Y , 

8 " Home Fire Ins. Co., N.Y., . 
50 " Hamilton Fire Ins. Co , N.Y., 

5 " Amer. Ex. Fire Ins. Co , N.Y., 
30 " Citizens' Nat'l Bank, N.Y., . 
25 " Hanover Nat'l Bank, N.Y., . 
5 " Norwich and Worcester R R. Co 
5 " Chic , Burl, and Quincy R.R. Co 



$325 00 

980 00 

4,400 00 

1,575 00 

1,200 00 

825 00 

550 00 

900 00 

3,800 00 

500 00 

605 00 



$1,100 00 

3,500 00 
1,200 00 

1,500 00 
400 00 

3,000 00 

500 00 



1883.] 



INS. COS. OF OTHER STATES. 



329 



East Tenn., Virginia and Georgia R.R. b'ds 
100 shares Metropolitan Nat'l Bank, N.Y., 
East Tenn., Virginia and Georgia R.R. b'ds 
Detroit, Mackinac and Marquette R.R. b'ds 
Nashville, Chatt. and St. Louis R.R. bonds 
225 shares Atlantic State Bank, Brooklyn, 
East Tenn., Virginia and Georgia R.R. b'ds 
Central Pacific R.R. Co. bonds, . 
18 shares N Y. Nat'l Exchange B'k, N.Y , 
18 " Watkins Automatic Tel. Co., 
15 " Home Fire Ins. Co., N.Y., . 
7 " Nat'l Bank of Commerce, N.Y., 
27 " Bank of America, N.Y., 
60 " Lorillard Fire Ins. Co., N.Y., 
Knoxville Water Works bonds, . 
50 shares Knoxville Water Works, 
United States bonds, .... 



Market value. 

$61,750 00 

15,500 00 

36,250 00 

45,000 00 

20,000 00 

38,250 00 

58,000 00 

2,240 00 

1,980 00 

112 50 

2,250 00 

1,085 00 

4,185 00 

1,050 00 

6,120 00 

1,750 00 

3,446 25 



Loaned thereon. 

I $50,000 00 

) 

i 

j> 100,000 00 



50,000 00 
1,950 00 

1,800 00 

900 00 
1,000 00 

772 00 
5,000 00 

1,400 00 



$314,628 75 $224,022 00 



Summary of Assets, Dec. 31, 1883.* 



Cash value of unencumbered real estate, 
Loans on mort'geof real estate (first liensf) 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, 

Gross assets, 

Deduct special deposits in other States, 



Balance, 



Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 



$329,550 00 

335,956 60 

5,624 60 

2,201,506 23 

221,022 00 

523 19 

238,974 79 

5,864 92 

406,733 39 

7,147 51 

3,132 75 



$3,759,035 98 
320,000 00 

$3,439,035 98 



Liabilities. 



$9,099 53 

210,734 50 

18,978 08 



* The company holds, also, instalment premium notes to the amount of $580,563,48, 
which do not enter into nor form any part of the assets of the company, as no portion of 
them is earned. Whatever value is attached to them would necessarily be counterbalanced 
by the addition of an exactly equal amount to the reinsurance liability, the entire sum con- 
sisting of " unearned premiums." 

f Value of lands mortgaged, .... $237,55000 
Value of buildings thereon, .... 374,850 00 
Amount of insurance held as collateral, . 327,900 00 



330 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Unearned premiums on outstanding risks, . $1,816,871 40 

Due and accrued for rent, salaries, etc., . 2,666 67 

State and local taxes, 2,500 00 

Commissions and brokerage, . . . 11,617 85 

Return premiums, 407 91 

Gross liabilities, except c.apital, . . $2,072,875 94 

Deduct liabilities on special deposits, . . 81,598 34 



Surplus as regards policy-holders, 



$1,991,277 60 



$1,447,758 38 



Paid-up capital, 1,000,000 00 

Surplus over capital, $447,758 38 



Income. 

Cash received for fire premiums, . . $2,960,665 99 
Deduct reinsurance and return premiums, . 410,100 03 

Net cash received for fire premiums, . . $2,550,565 96 

Cash recM for marine and inland premiums, $651,153 22 
Deduct reinsurance and return premiums, . 89,142 36 

Net cash rec 1 d for marine and inland prem's, — 562,010 86 

Interest received on bonds and mortgages, . . . 17,718 62 

Interest and dividends received from all other sources, . 104,924 06 
Income from rents, 10,098 78 

Gross cash income, $3,245,318 28 



$522,898 79 
95,010 08 



Expenditures. 

Cash paid for fire losses, . . '. . $1,327,337 75 

Deduct salvage and reinsurance, . . 116,471 40 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, — 

Cash dividends paid, ...... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

for loss on sale of investments, . 



$1,210,866 35 



427,888 71 

100,000 00 

649,219 25 

208,416 92 

51,274 87 

235,110 32 

21,026 27 



Gross cash expenditures, 



. $2,903,802 69 



1883.] 



INS. COS. OF OTHER STATES. 



331 



Risks and Premiums. 



Fire risks outstanding Dec 31, 1882, 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total . 

Deduct risks expired and terminated, . 

In force at end of year, . . . 



§249,357,657 00 
271,737,417 00 

$521,095,074 00 
f 224,243,683 00 

$296,851,391 00 
8,935,782 00 



Premiums. 

$2,571,898 03 
2,977,323 22 

$5,549,221 25 
2,215,067 52 

§3,334,153 73 
139,225 70 



$287,915,609 00 $3,194,928 03 



$9,769,211 00 

127,902,110 00 

$137,671,321 00 

125,307,209 00 



$48,956 00 

689,510 47 

$738,466 47 

655,597 47 



$12,364,112 00 $32,869 00 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent,), . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$44,880,789 41 
20,910,083 56 
2,514,000 00 
100,000 00 
1,253,521 02 
431,923 21 
130,850 00 



PHCENIX INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated May, 1854. Commenced business June, 1854.] 

Paid-up Capital, $2,000,000. 

H. Kellogg, President. D. W. C. Skilton, Secretary 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

1040 shares Hartford Nat'l Bank, Hartford, $104,000 00 $188,240 00 

450 " Farm, and Mec.N'IB'k, " 45,000 00 58,500 00 

800 " Mercantile Nat'l Bank, " 80,000 00 100,800 00 

162 " Charter Oak Nat'l Bank, " 16,200 00 24,300 00 

200 " City Nat'l Bank, " 20,000 00 18,000 00 

300 " iEtna Nat'l Bank, " 30,000 00 40,500 00 

750 " Phoenix Nat 1 ! Bank, " 75,000 00 132,000 00 



332 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Par value. Market value. 

100 shares Connecticut Riv. B'k, Hartford, $5,000 00 $5,000 00 

192 " State Bank, " 19,200 00 21,888 00 

1000 " American Nat'l Bank, " 50,000 00 75,000 00 

324 " Nat'l Exchange Bank, " 16,200 00 25,110 00 

300 " Hartford Trust Company, " 30,000 00 33,000 00 

100 " Metropolitan Nat'l Bank, N. Y. 10,000 00 15,500 00 

180 " Merchants 1 Exch. N'l B'k, N.Y. 9,000 00 8,100 00 

75 " Nat'l Shoe & Leather B'k, NY., 7,500 00 11,250 00 

150 " Central Trust Co., New York, . 15,000 00 39,000 00 

100 " American Loan & T. Co., N.Y., 10,000 00 10,800 00 

200 " New Britain N'l B'k, N.Britain, 20,000 00 30,000 00 

400 " Waterbury N'l B'k, Waterbury, 20,000 00 37,000 00 

168 " First Nat'l Bank, Wallingford, 16,800 00 18,480 00 

100 " Citizens' Nat'l Bank, Cincinnati, 10,000 00 13,000 00 

250 " Metropolitan Nat'l Bank, Cinn., 25,000 00 31,500 00 

200 " Queen City Nat'l Bank, Cinn., . 20,000 00 21,400 00 

75 " Imperial Bank, Toronto, Ont., . 7,500 00 11,250 00 

250 " Nat'l German Am. B'k, St. Paul, 25,000 00 28,000 00 

479 " Holyoke Water Power Co., . 47,900 00 110,170 00 

1000 " N. Y., N. H. and H. R. R.R., . 100,000 00 180,000 00 

250 " Rensselaer and Saratoga R.R., 25,000 00 36,250 00 

1200 " Chic, R. I. and Pacific R.R., . 120,000 00 142,800 00 

1200 » Chic, Burl, and Quincy R.R., . 120,000 00 144,000 00 

500 " Cleveland and Pittsburg R.R., 25,000 00 33,750 00 

50 " Pittsb'g, Ft. W. and Chic. R.R., 5,000 00 6,750 00 

500 " N.Y.Cent'l&Hud.Riv.R.R. Co. 50,000 00 57,750 00 

585 " Illinois Central R.R., . . 58,500 00 72,885 00 

120 " Hartford and Conn West. R.R. 12,000 00 5,400 00 

500 " Atchison, Top. and S. Fe R.R., 50,000 00 40,000 00 

United States " consols of 1907," 4's, . . 100,000 00 125,000 00 

United States bonds, 4J's, .... 1,200 00 1,380 00 

South Carolina " consols," 6's, . . . 17,55137 18,077 91 

Tennessee State bonds, 6's, . . . . 21,000 00 8,400 00 

Mississippi State bonds, 4's, .... 20,000 00 20,800 00 

Hartford city bonds, 6's, .... 10,000 00 10,400 00 

Detroit city bonds, 7's, .... 50,000 00 59,000 00 

Jacksonville, 111., bonds, 8's, . . . 50,000 00 60,000 00 

New Britain town bonds, 5's, . . . 100,000 00 106,000 00 

Washington School Dist. of Hartf'd b'ds,5's, 15,000 00 15,450 00 

Hannibal School, Mo., bonds, 7's, . . 19,000 00 19,000 00 

Avondale town, Ohio, bonds, 6's, . . 16,000 00 16,640 00 

Atlantic Dock Co. bonds, 5's, . . . 75,000 00 78,750 00 

Contra Costa Water Co. bonds, 8's, . . 25,000 00 26,500 00 

Indianapolis and Cincinnati R.R. bonds, 7's, 51,000 00 56,100 00 

Harlem R. and Pt. Chester R.R. bonds, 7's, 50,000 00 65,500 00 

Chicago and North Western Railway, 6's, . 50,000 00 55,000 00 

Erie Railway, first mortgage consols, 7's, . 100,000 00 128,000 00 

Cedar Rapids, I. Falls & N. W. Railway, 6's, 50,000 00 52,000 00 



1883.] 



INS. COS. OF OTHER STATES. 



333 



Par value. Market value. 

Columbus and Western R.R. bonds, 6's, . $100,000 00 $106,000 00 

Chicago and Western Ind. R.R. bonds, 6's, 60,000 00 67,200 00 

Columbia and Greenville R.R. bonds, 6's, . 50,000 00 50,000 00 

Chicago, B. & Q. R.R. Co. (Den ext'n,) 4's, 20,000 00 17,600 00 

Minneapolis Union Railway Co. bonds, 6's, 50,000 00 53,500 00 

N.Y., Lacka. and West'n R.R. Co. bonds, 6's, 50,000 00 60,000 00 

T. Haute & Log'sp't R.R. (Ext. Guar.), 6's, 50,000 00 51,500 00 

Toledo, Ann Arbor & Grand Trunk R.R. 6's, 50,000 00 48,000 00 

$2,550,551 37 $3,203,170 91 



Securities held as collateral for cash loans : — 



78 shares N.Y., N.H. and Hartford R.R. Co 
69 " Adams Express Company, 
217 " Travelers' Insurance Company 

10 " Holyoke Water Power Co., 

53 " Mercantile Nat'l Bank, Hartford 

170 " Dayton & Mich. R. R. Co., pref. 

5 " Farmers' and Mech. Nat'l Bank 

20 " Hartford Carpet Company, 
471 " Willimantic Linen Company, 

30 " Chicago, R I & Pacific R.R. Co. 
100 " Russell & Erwin Manuf'g Co , 
480 " Seth Thomas Clock Co., . 
Shenandoah Valley R.R. bonds, 7's, . 
Shenandoah Valley R.R. bonds, 6's, gold, 
Chicago & Northwestern R.R. $1,000 bond 
Ulster & Delaware R.R. Co. bond, 
Union Pacific R. R. Sinking Fund bond, 

11 shares Home Nat'l Bank, Meriden, 

16 " Meriden National Bank, . 
10 " Union Pacific R.R. Co., 

2 " National New Haven Bank, 

2 " Chicago, Burl, and Quincy R.R. 

5 " N. Y. and N. J. Telephone Co., 
10 " Hartford S. B. Insp. and Ins. Co 
200 " Mechanics' Nat'l Bank, N. Y., 
80 " Willimantic Linen Co., 
30 " New York and Harlem R.R. Co 

1 " Hartford Carpet Co., . 
10 " American Loan and Trust Co., 
Ind. and Cincinnati R.R. Co. bonds, . 

8 shares Hartford Carpet Co., . 

17 " Holyoke Water Power Co., 
100 " Central Pacific R.R. Co., . 
200 " Meriden Gas-Light Co., . 
150 " Home Nat'l Bank, Meriden, 



Market value. 

$14,040 00 

8,970 00 

62,930 00 

2,250 00 

6,625 00 

11,900 00 

650 00 

4,200 00 

23,550 00 

3,540 00 

12,500 00 

15,000 00 

34,100 00 

3,750 00 

1,060 00 

1,000 00 

1,180 00 

1,320 00 

1,920 00 

750 00 

320 00 

240 00 

475 00 

800 00 

7,500 00 

4,000 00 

3,000 00 

210 00 

1,095 00 

2,200 00 

1,680 00 

3,825 00 

6,500 00 

5,500 00 

18,000 00 



Loaned thereon. 

$4,500 00 

3,650 00 

30,506 00 

630 00 

1,400 00 

2,911 00 

440 00 

1,980 00 

19,350 00 

2,310 00 

10,000 00 

2,000 00 

30,690 00 

1,000 00 

900 00 

2,250 00 



J. 1,350 00 



6,970 00 



} 6,750 00 



J. 6,750 00 

5,000 00 
\ 18,000 00 



334 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Market value. Loaned thereon. 



240 shares Landers, Frary & Clark, . 
50 " So. New England Telephone Co. 
800 " Benedict & Burnham Mfg. Co., . 
200 " So. N. England Telephone stock, 
300 " Natl German American Bank, . 
Union Pacific R. R. Sinking Fund bonds, . 



$9,000 00 
8,250 00 
80,000 00 
33,000 00 
33,000 00 
62,540 00 



} 



$10,000 00 

40,000 00 
20,000 00 
25,000 00 
50,000 00 



$492,370 00 $304,367 00 



Summary of Assets, Dec. 

Cash value of unencumbered real estate, . 
Loans on mortg'e of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in various banks, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Rents due and accrued, 

Gross assets, 

Deduct special deposits in other States, 

Balance, 



31, 1883. 

$178,255 31 

161,380 00 

4,141 40 

3,203,170 91 

304,367 00 

40,631 67 

325,259 62 

8,214 86 

242,049 61 

1,203 50 



- $4,468,673 88 
133,300 00 

. $4,335,373 88 



Liabilities. 

Losses adjusted, unpaid, 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, 

Gross liabilities, except capital, . 
Deduct liabilities on special deposits, . 



Surplus as regards policy-holders, 
Paid-up capital 



$197,574 03 
18,015 68 

1,197,467 47 
33,625 00 

11,446,682 18 
46,189 75 



Surplus over capital, 



- 1,400,492 43 

. $2,934,881 45 

. 2,000,000 00 

. $934,881 45 



Income. 

Cash received for fire premiums, 

Deduct reinsurance and return premiums, 

Net cash received for lire premiums, . 



52,030,162 19 

133,589 05 



11,896,573 14 



* Value of lands mortgaged $216,000 00 

Value cf buildings thereon 148,000 00 

Amount of insurance held as collateral, . 86,750 00 



1883.] 



INS. COS. OF OTHER STATES. 



335 



Interest received on mortgages, 

Interest and dividends received from all other sources, 
Income from rents, 



Gross cash income, 



$8,204 90 

205,818 44 

3,003 84 



$2,113,600 32 



Expenditures. 

Cash paid for fire losses, . . . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, . 



,214,389 12 
280,000 00 
310,065 81 
90,188 44 
58,883 25 
152,099 66 

(,105,626 28 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1882, . $188,849,029 00 $2,119,056 80 
written during 1883, . . . 179,644,231 00 2,030,162 19 



Total, $368,493,260 00 $4,149,218 99 

Deduct risks expired and terminated, .167,061,314 00 1,882,052 08 



In force at end of year, 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (14 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



201,431,946 00 $2,267,166 91 



29,742,194 29 

17,695,723 26 

3,325,000 00 

280,000 00 

1,157,519 69 

176,800 00 



PROVIDENCE WASHINGTON INSURANCE COMPANY, PROVI- 
DENCE, R I. 

[Incorporated, 1799. Commenced business, 1799.] 

Paid-up Capital, $400,000. 

J H. DeWolf, President. J. B. Branch, Secretary. 

Detailed Statement of Stocks, Bonds, etc 

Par value. Market value. 

United States bonds, $200,000 00 $255,235 00 

Union Pacific Railroad bonds, . . . 10,000 00 11,725 00 

Boston city bonds, 30,000 00 35,400 00 

N. Y.,Prov. and Boston Railroad bonds, . 31,000 00 40,300 00 



336 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Rennselaer and Saratoga Railroad bonds, . 
Boston, Clinton and Fitchburg R.R. bonds, 
Atlantic Mutual Insurance Co.'s scrip, 
50 shares Nat'l B'k of Commerce, N. Y., . 
300 " N. Y. Mutual Gas-Light Co., . 
800 " American Nat'l Bank, Prov., . 
1600 " Blackstone Canal N. B'k, Prov., 
300 " Commercial Nat'l Bank, Prov., 
200 " Lime Rock Nat'l Bank, Prov., 
500 " Merchants' Nat'l Bank, Prov., 
200 " Mechanics' Nat'l Bank, Prov., 
300 " Nat'l B'k of N. America, Prov. 
300 " Nat'l B'k of Commerce, Prov., 
200 " Weybosset Nat'l Bank, Prov., 
500 " Providence Gas Company, 
50 " Bath Gas Light Company, 
200 " Chic, Burl, and Quincy R.R., 
500 " Chicago and Alton Railroad, 
What Cheer Corp. (real estate), Providence, 
Rhode Island Hospital Trust Co. account, . 



Par value. 

H 2,000 00 

2,000 00 

1,260 00 

5,000 00 

30,000 00 

40,000 00 

40,000 00 

15,000 00 

10,000 00 

25,000 00 

10,000 00 

15,000 00 

15,000 00 

10,000 00 

25,000 00 

5,000 00 

20,000 00 

50,000 00 

20,000 00 

13,000 00 



Market value. 

$16,080 00 

2,250 00 

1,260 00 

7,750 00 

37,800 00 

42,400 00 

42,400 00 

16,050 00 

10,600 00 

34,500 00 

14,200 00 

20,550 00 

15,900 00 

12,900 00 

31,500 00 

5,000 00 

24,150 00 

67,000 00 

26,000 00 

13,000 00 



$634,260 00 $783,950 00 



Summary of Assets, Dec. 31, 1883. 



Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, 
Cash deposited in bank, .... 
Premiums in course of collection (net), 
Notes taken for marine and inland risks, . 
Premiums more than 3 mos. due, $333 33 

Gross assets, 

Deduct special deposits in other States, 



$783,950 00 

219 87 

36,738 83 

86,542 76 

153,422 63 



— $1,060,874 09 
31,218 75 



Balance, 



$1,029,655 34 



Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, . 



$22,929 67 

129,034 21 

6,805 28 

$158,769 16 
33,428 96 



Net amount of unpaid losses, 



$125,340 20 



1883.] INS. COS. OF OTHER STATES. 



337 



Unearned premiums on outstanding risks, . $160,298 16 

Dividends to stockholders unpaid, . . 472 35 

Gross liabilities, except capital, . . $586,110 71 

Deduct liabilities on special deposits, . 11,148 51 



$574,962 20 



Surplus as regards policy-holders, 



|454,693 14 



Paid-up capital, 400,000 00 



Surplus over capital, $54,693 14 

Income. 

Cash received for fire premiums, . . $636,416 64 

Deduct reinsurance and return premiums, . 107,840 25 

Net cash received for fire premiums, . . $528,576 39 

Cash rec'd for marine and inl'd premiums, $679,051 01 

Deduct reinsurance and return premiums, . 213,315 96 

Net cash rec'd for marine and inland prem's, 465,735 05 

Interest and dividends received from all sources, . . 36,938 74 

Gross cash income, $1,031,250 18 

Expenditures. 

Cash paid for fire losses, .... $352,534 39 
Deduct salvage and reinsurance, . . 33,211 13 

Net cash paid for fire losses, . . . $319,323 26 

Cash paid for marine and inland losses, . $558,214 77 
Deduct salvage and reinsurance, . . 158,939 13 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



Gross cash expenditures, 

Risks and Premiums. 



399,275 64 

31,805 50 

161,341 41 

27,258 95. 
17,609 67 
82,256 56 

. $1,038,870 99 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total 

Deduct risks expired and terminated, 

In force at <md of year, 
Deduct amount reinsured, . 



Premiums. 

.$19,470,269 00 $488,789 30 
. 70,555,204 00 649,529 80 



$120,025,473 00 $1,138,319 10 
. 52,821,920 00 444,261 88 



. $67,203,553 00 $694,057 22 
. 4,778,940 00 59,729 42 



Net amount in force, 



52,424,613 00 $634,327 80 



338 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$5,419,350 00 
73,477,525 00 



$78,896,875 00 
74,441,391 00 



t,455,484 00 
951,551 00 



Premiums. 

$154,139 10 
720,494 71 

$874,633 81 
665,351 43 

$209,282 38 
29,970 65 



. $3,503,933 00 $179,311 73 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



19,339,602 25 

5,129,752 81 

1,778,563 39 

32,000 00 

350,576 43 

386,938 31 

53,450 00 



ROCHESTER GERMAN INSURANCE COMPANY, ROCHESTER, 

NEW YORK. 

[Incorporated Feb. 16, 1872. Commenced business Feb. 23, 1872.] 

Paid-up Capital, $200,000. 

Frederick Cook, President. H. F. Atwood, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
Rochester city bonds, . . . . 
Georgia State bonds, .... 
Pullman Palace Car Company stock, . 
German American Bank stock, . 



Par value. 

$100,000 00 
20,000 00 
25,000 00 
20,000 00 
10,000 00 



Market value. 

8118,156 25 
26,000 00 
28,000 00 
23,600 00 
10,000 00 



$175,000 00 $205,756 25 



Summary of Assets, Dec. 31, 1883. 



Cash value of unencumbered real estate, 
Loans on mort'ge of real estate (first liens), 
Interest due or acccued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, 



$1,822 82 
255,110 00 

7,075 75 
205,756 25 

2,904 91 



1883.] INS. COS. OF OTHER STATES. 



339 



Cash deposited in bank, 

Interest due and accrued, . 

Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, 



Balance, 



$48,494 74 

457 35 

53,401 83 



$575,023 65 
50,025 00 



$524,998 65 



Liabilities. 

Losses adjusted, unpaid, .... $3,625 30 

claimed and reported, . . . 22,607 43 

disputed or resisted, . . . 1,602 27 

Unearned premiums on outstanding risks, . 208,389 32 

Commissions and brokerage, . . . 3,480 00 

Gross liabilities, except capital, . . $239,704 32 

Deduct liabilities on special deposits, . . 26,141 20 



Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, 



213,563 12 

$311,435 53 

200,000 00 

$111,435 53 



Income. 

Cash received for fire premiums, . . $394,812 06 

Deduct reinsurance and return premiums, . 68,188 27 

Net cash received for fire premiums, . . $326,623 79 

Interest received on bonds and mortgages, . . . 15,873 51 

Interest and dividends received from all other sources, . 5,483 55 

Income from all other sources, 1 ,728 46 

Gross cash income, $349,709 31 



EXPENDITUEES. 

Cash paid for fire losses, .... $167,385 28 
Deduct salvage and reinsurance, . . 5,058 54 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, . 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$162,326 74 
16,000 00 
78,042 11 
11,897 18 
9,923 29 
18,536 64 



Gross cash expenditures, 



. $296,725 96 



340 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

29,211,329 00 $304,842 46 
38,792,831 00 412,926 43 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



,004,160 00 $717,768 89 
29,674,817 00 298,489 44 



,329,343 00 $419,279 45 
1,293,760 00 17,918 01 



.$37,035,583 00 $401,361 44 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



>2,414,477 87 

1,240,407 19 

183,000 00 

16,000 00 

168,193 47 

25,450 00 



RUTGERS FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated Oct 3, 1853. Commenced business Oct. 10, 1853.] 

Paid-up Capital, $200,000. 

Edward B. Fellows, President. Joseph F. Hanfokd, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



42d St. and Grand St. Ferry R.R. bonds, . 
District of Columbia bonds, 
500 shares N. Y. Cent 1 ! and Hud. Riv. R.R., 
500 " Del., Lacka. and Western R R., . 



Par value. 

$6,000 00 
50,000 00 
50,000 00 
25,000 00 



Market value. 

$6,900 00 

55,500 00 

57,500 00 

29,500 00 



$131,000 00 $149,400 00 



Securities held as collateral for cash loans : — 



100 shares Tradesmen^ NatU Bank, . 
25 " City Fire Insurance Co., . 
30 " Phenix Fire Insurance Co , 
50 " Peopled Fire Insurance Co., 



Market value. Loaned thereon. 

$4,400 00 $4,000 00 
2,223 50 >| 

2,250 00 I 5,000 00 
2,875 00 J 



1883.] INS. COS. OF OTHER STATES. 341 



10 shares Stuyvesant Safe Deposit Co., 

25 " Knickerbocker Fire Ins. Co , 

20 " Manhattan Life Insurance Co., 
5 " American Exch. Fire Ins Co., 
260 " North River Fire Ins. Co., . 

84 " Stivyvesant Insurance Co , 
Central Park, N. and E. River R.R. bonds, 2,400 00 2,000 00 



Market value. Loaned thereon. 
$1,000 00 \ 

675 00 I $5,000 00 
5,500 00 J 

570 00 450 00 

7,018 00 4,000 00 

2,625 00 1,200 00 



Houston St., West St. and Pavonia Ferry ) ,-™ ™ 

R.R. bonds, • ) 



300 00 



$32,096 50 $21,950 00 

Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $98,000 00 

Loansonmort'geof real estate (first liens*), 115,500 00 

Interest clue or accrued thereon, . . . 1,764 00 

Stocks, bonds, etc., as per schedule, . . 149,400 00 

Loans on collateral security, as per schedule, 2 1 ,950 00 

Cash in the office of the company, , . 5,962 62 

Cash deposited in bank, . . . . . 8,946 92 

Interest due and accrued, .... 2,485 42 

Premiums in course of collection (net), . 843 67 

Rents due and accrued, .... 50 00 
Premiums more than 3 months due, $364 02 

Gross assets, . . . . . . $104,902 63 

Liabilities. 

Losses adjusted, unpaid, .... $1,60082 

claimed and reported, . . . 500 00 

Unearned premiums on outstanding risks, . 39,538 63 

Gross liabilities, except capital, . . 41,639 45 



Surplus as regards policy-holders, .... $363,263 18 
Paid-up capital, 200,000 00 



Surplus over capital, . $163,263 18 



Income. 

Cash received for fire premiums, . . $82,430 79 

Deduct reinsurance and return premiums, . 6,576 77 

Net cash received for fire premiums, . . $75,854 02 



* Value of land s mortgaged, .... $152,60000 
Value of buildings thereon, .... 154,200 00 
Amount of insurance held as collateral, . 99,100 00 



342 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Gross cash income, ...... 



$7,693 34 

12,817 06 

2,857 17 



,221 59 



Expenditures. 

Cash paid for fire losses, . . . . $22,308 40 

Deduct salvage and reinsurance, . . 394 26 

Net cash paid for fire losses, 

Cash dividends paid, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, . . . 

for repairs on real estate, . 

Gross cash expenditures, .... 



$21,914 14 

20,000 00 

12,829 15 

14,583 31 

5,518 28 

5,784 14 

1,871 81 

$82,500 83 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, 



Risks and Premiums. 

Premiums. 

11,989,674 00 $81,555 25 
13,568,671 00 82,631 36 



Total, . . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$25,558,345 00 $164,186 61 
12,799,164 00 83,667 46 



$12,759,181 00 
230,573 00 



,519 15 
1,434 90 



$12,528,608 00 $79,084 25 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent), . 
Fire losses incurred during the year, . . 
Company's stock owned by directors, 



$2,500,649 49 

948,212 99 

880,000 00 

20,000 00 

22,431 55 

54,300 00 



1883.] 



INS. COS. OF OTHER STATES. 



343 



SECURITY INSURANCE COMPANY, NEW HAVEN, CONN. 

[Incorporated April, 1841. Commenced business April, 1841.] 

Paid-up Capital, $200,000. 

Charles Peterson, President. H. Mason, Secretary 



Detailed Statement of Stocks, Bonds, etc. 



Tradesmen's Nat'l B'k stock, New Haven, 
Second Nat'l Bank stock, New Haven, 
Merchants' Nat'l Bank stock, New Haven, 
New Haven County Nat'l Bank stock, 
New Haven Nat'l Bank stock, 
Yale Nat'l Bank stock, New Haven, . 
Amer. Exchange Nat'l Bank stock, N. Y., 
Commerce Nat'l Bank stock, N. Y., . 
N. Y., N. H. and Hartford Railroad stock, 
Shore Line Railroad stock (Conn.) 
Boston and New York Railroad stock, 
N. Y. Central and Hudson River R.R. stock 
Chicago, Bur. and Quincy R.R. stock, 
New Haven Water Company stock, . 
New Haven Water Company scrip, . 
New Haven and Northampton R.R. bonds 
Holyoke and Westfield R.R. bonds, . 
Housatonic Railroad bonds, 



Par value. 

$1,200 00 
15,500 00 
10,000 00 

6,000 00 

8,700 00 
15,000 00 
10,000 00 

5,000 00 
23,100 00 

7,700 00 
10,000 00 
10,000 00 
10,000 00 

6,250 00 

1,280 00 
15,000 00 

7,000 00 
10,000 00 



Market value. 

$1,920 00 
24,025 00 
12,200 00 

8,400 00 
14,455 00 
17,700 00 
13,000 00 

7,700 00 
41,118 00 
11,935 00 

8,200 00 
11,200 00 
12,100 00 
10,250 00 

2,080 00 
16,800 00 

7,490 00 
10,000 00 



$171,730 00 $230,573 00 



Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

New Haven and Northampton R.R. bonds, 
Second National Bank stock, 
Tradesmen's National Bank stock, 
Fairhaven and Westville H. R.R. stock, 
New Haven Water Company stock, . 



$4,480 00 \ 

2,700 00 j 

1,804 00 1,600 00 



$16,859 00 $12,100 00 



Summary of Assets, Dec. 31, 1883. 

Loans on mort'geof real estate (first liens*), $ 58,700 00 
Interest due or accrued thereon, . . . 33 75 

Stocks, bonds, etc., as per schedule, . . 230,573 00 



Value of lands mortgaged $66,400 00 

Value of buildings thereon, .... 55,100 00 
Amount of insurance held as collateral, . . 55,100 00 



344 FIRE, MARINE, AND FIRE-MARINE [Dec. 31 



Loans on collateral security, as per schedule 

Cash in the office of the company, 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross), 

Notes taken for marine and inland risks, 

Reinsurance due, . . . . 

Gross assets, 



$12,100 00 

313 13 

37,235 17 

734 36 

17,449 85 

1,104 89 

348 32 



$358,592 47 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 

Less reinsurance, . . . . 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Commissions, brokerage, etc., 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$1,254 69 

19,370 23 

2,491 67 

$23,116 59 

908 00 

$22,208 59 

102,427 70 

3,261 30 



Surplus over capital, 



127,897 59 

$230,694 88 
200,000 00 

$30,694 88 



Income. 

Cash received for fire premiums, . . $224,591 27 
Deduct reinsurance and return premiums, . 41,361 77 

Net cash received for fire premiums, . . 

Cash rec'd for marine and inland premiums, $114,915 04 
Deduct reinsurance and return premiums, . 13,433 93 

Net cash recM for marine and inland prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from old accounts, 



$183,229 50 



101,481 11 

3,052 90 

14,177 43 

668 12 



Gross cash income, 



2,609 06 



Expenditures. 

Cash paid for fire losses, . . . $122,099 63 
Deduct salvage and reinsurance, . . 9,748 56 

Net cash paid for fire losses, . . . $112,351 07 

Cash paid for marine and inland losses, . $102,719 66 
Deduct salvage and reinsurance, . . 8,233 85 

Net cash paid for marine and inland losses, 94,485 81 



1883.] 



INS. COS. OF OTHER STATES. 



345 



Cash dividends paid, ...... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 

Gross cash expenditures, .... 



$12,000 00 

46,784 10 

20,217 07 

2,722 90 

$288,560 95 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



. $13,192,860 00 
. 20,178,352 00 



$33,371,212 00 
16,635,635 00 



,735,577 00 
793,401 00 



Premiums. 

$148,630 36 
225,190 45 

$373,820 81 
188,193 35 

$185,627 46 
10,070 91 



$15,942,176 00 $175,556 55 



$713,237 00 
19,706,695 00 



$20,419,932 00 
19,552,046 00 



$867,886 00 
55,225 00 



$20,942 18 
109,558 65 

£130,500 83 
113,794 79 

$16,706 04 
1,390 65 



$812,661 00 $15,315 39 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, . . . . 



£3,510,646 84 

2,524,384 31 

290,281 00 

12,000 00 

115,548 14 

95,491 54 

39,350 00 



346 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 
SPRING GARDEN INSURANCE COMPANY, PHILADELPHIA, PA. 

[Incorporated April 28, 1835. Commenced business Aug. 29, 1835.] 

Paid-up Capital, $400,000. 

Nelson F. Evans, President. Jacob E. Peterson, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Cincinnati city bonds, .... 
North Pennsylvania Railroad bonds, . 
Philadelphia and Reading R R. bonds, 
Pittsburg, Cin. and St. Louis R.R. bonds, 
Delaware and Bound Brook R.R. bonds, 
Pennsylvania Railroad bonds, . $ 
Lehigh Valley Railroad bonds, . 
Texas Pacific Railroad bonds, 
Northern Central Railroad bonds, 
New Orleans Pacific Railroad bonds, . 
People's Passenger Railway bonds, . 
Lehigh Coal and Navigation Co. bonds, 
American Steamship Co. bonds, . 
Kansas City Water Works bonds, 
New York, W. Shore & Buffalo R.R. bonds 
Terre Haute and Logansport R.R. bonds, 
400 shares Manufacturers' Nat'l Bank, 
314 " Penn Nat'l Bank, 
100 " Commercial Nat'l Bank, . 



Par value. 

$30,000 00 
20,000 00 
30,000 00 
20,000 00 
30,000 00 
20,000 00 
10,000 00 
20,000 00 
20,000 00 
20,000 00 
20,000 00 
10,000 00 
20,000 00 
5,000 00 
10,000 00 
10,000 00 
20,000 00 
10,000 00 
15,700 00 
5,000 00 



Market value. 

$37,800 00 
26,200 00 
36,500 00 
25,400 00 
36,300 00 
25,400 00 
12,200 00 
24,400 00 
18,200 00 
20,000 00 
18,000 00 
10,500 00 
24,800 00 

5,400 00 
10,700 00 

6,800 00 
20,800 00 
10,800 00 
21,980 00 

6,000 00 



$345,700 00 $398,180 00 



Securities held as collateral for cash loans : — 



Northern Central Railroad bonds, 
110 shares Central Nat'l Bank, . 
Bell's Gap Railroad bonds, . 
45 shares Atchison, Topeka and S. F. R.R., 
United States bonds, .... 
42 shares Pennsylvania Railroad, 
Lehigh Coal and Navigation Co. bonds, 
Philadelphia and Reading R.R. bonds, 
25 shares Insurance Co. of North America, 
Philadelphia and Reading Railroad bonds, 
100 shares Pennsylvania Railroad, 
Northern Pacific Railroad bonds, 
20 shares Western Nat'l Bank, . 



Market value. 

$2,020 00 

31,350 00 

2,800 00 

3,600 00 

87,500 00 

2,436 00 

560 00 

1,180 00 

775 00 

4,560 00 

5,800 00 

2,060 00 

2,000 00 



Loaned thereon. 

$1,750 00 

25,000 00 

2,250 00 

3,250 00 

74,500 00 



2,500 00 

1,300 00 

4,000 00 
5,000 00 
1,750 00 
1,700 00 



1883.] 



INS. COS. OF OTHER STATES. 



347 



Chicago, Milwaukee & St. Paul R.R. bonds, 

10 shares Pennsylvania Railroad, 

11 " Western Telegraph Co., 
100 " Pennsylvania Railroad, 
United States bonds, . 
Stillwater and St. Paul R.R. bonds, 
American S S. Co. bonds, . . • 
50 shares Pennsylvania Railroad, 
50 " New Jersey Central Railroad, 



Market value. 

$2,820 00\ 

580 00 [ 

814 00 J 

5,800 00 

31,250 00 

9,500 001 

540 00 ! 



Loaned thereon. 



2,900 0C 



4,150 00 J 



$3,500 00 

5,000 00 
27,500 00 



} 15,000 00 



$204,995 00 $174,000 00 



Summary of Assets, Dec 

Cash value of unencumbered real estate, . 
Loans on mort'ge of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (net), 
Rents due and accrued, 

Gross assets, .... 



31, 1883. 

$249,200 00 

320,300 00 

7,045 50 

398,180 00 

174,000 00 

3,082 61 

24,963 19 

3,207 27 

2,390 69 

219 02 



.,182,588 28 



Liabilities. 

Losses claimed and reported, 
Less reinsurance, . . 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
State and local taxes, .... 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid up capital, 



Surplus over capital, 



Income. 



Cash received for fire premiums, 

Deduct reinsurance and return premiums, . 

Net cash received for fire premiums, . 



$9,490 00 

1,325 00 

$8,165 00 

50,278 49 

315,462 70 

350 00 



$107,540 82 
14,054 41 



374,256 19 

$808,332 09 
400,000 00 

$408,332 09 



$93,486 41 



* Total value of property mortgaged, . . $501,000 00 
Amount of insurance held as collateral, . 292,500 00 



348 FIRE, MARINE, AND FIRE-MARINE [Dec. 31. 



Interest and dividends received from all sources, 
Income from rents, 

from surveys, transfers, etc., . 

from perpetuals, . . . . 



$44,772 14 

17,201 02 

984 75 

556 32 



Deposits received for perpetual fire risks, . $23,197 84 

Gross cash income, $ 157,000 64 



Expenditures. 

Cash paid for fire losses, . . . . $34,005 61 
Deduct salvage and reinsurance, . . 1,896 17 

Net cash paid for fire losses, . . . $32,109 44 

Cash dividends paid, 64,000 00 

Cash paid for commissions and brokerage, . . . 15,694 95 

for salaries of officers and employees, . . 12,756 96 

for State and local taxes, 9,372 86 

for incidentals, 5,172 36 

for repairs on real estate, 3,439 21 

Deposits returned on perpetual fire risks, . $9,873 75 

Gross cash expenditures, ...... $142,545 78 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

$6,574,862 00 $61,042 21 
12,276,491 00 106,719 42 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Perpetual risks (not included above) , 



,851,353 00 $167,761 63 
8,618,851 00 65,544 38 



,232,502 00 $102,217 25 
779,352 00 6,519 07 



$9,453,150 00 $95,698 18 
.$14,068,851 00 $341,040 76 



Miscellaneous. 

Losses paid from organization of company, 

Cash dividends declared from organization of company, 

Dividends declared during the year (16 per cent.), . 

Fire losses incurred during the year, , 

Company's stock owned by directors, 



$1,744,705 84 

961,215 00 

64,000 00 

35,417 72 

202,400 00 



1883.] INS. COS. OF OTHER STATES. 349 



STANDARD FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated March 26, 1859. Commenced business March 29, 1859.] 

Paid-up Capital, $200,000. 

Wm. M. St. John, President. Robert H. Myers, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
N. Y. Central and Hudson River R.R , 



Par value. Market value. 

$250,000 00 $298,000 00 
30,000 00 33,600 00 



$280,000 00 |331,600 00 



Summary of Assets, Dec. 31, 1883. 



Cash value of unencumbered real estate, . 
Loans on mortg 1 e of real estate (first liens*), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Premiums more than 3 mos. due, $106 10 
Gross assets,f 



$11,900 00 

20,500 00 

102 50 

331,600 00 

2,061 17 

10,681 33 

1,425 00 

7,724 50 



$385,994 50 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
State and local taxes, .... 
Commissions and brokerage, 
Return premiums, .... 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 



$3,260 65 

7,288 00 

1,259 18 

50,387 70 

401 39 

498 52 

1,122 12 

762 03 



64,979 59 

$321,014 91 

200,000 00 

$121,014 91 



* Value of lands mortgaged, .... $14,000 00 
Value of buildings thereon, .... 25,500 00 

Amount of insurance held as collateral, . 20,500 00 

t Including $78,000 Special Reserve Fund held under New York law. 



350 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums, . . $107,658 17 
Deduct reinsurance and return premiums, . 12,954 34 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 



Gross cash income, 



$94,703 83 

1,249 25 

12,520 57 

1,184 50 

$109,658 15 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash dividends paid, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for incidentals, . . 

Gross cash expenditures, . 



,435 53 
5,880 56 



$75,554 97 

14,000 00 

13,677 64 

12,594 99 

3,161 31 

10,257 27 

$129,246 18 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

.$12,900,498 00 $102,341 98 
. 17,494,918 00 107,968 24 



Total, ..... 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



.$30,395,416 00 $210,310 22 
. 16,363,294 00 107,096 42 



$14,032,122 00 $103,213 80 
836,265 00 3,267 02 



$13,195,857 00 



,946 78 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (7 per cent.), 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



$2,618,216 02 

1,554,155 58 

511,020 00 

14,000 00 

72,822 19 

45,000 00 



1883.] 



INS. COS. OF OTHER STATES. 



351 



STAR FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated Dec. 2, 1864. Commenced business Dec. 2, 1864.] 

Paid-up Capital, $500,000. 

Nicholas C. Miller, President. James M. Hodges, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
Kansas Pacific R R. bonds, . 
Chicago, Mil. and St Paul R.R. bonds, 
Missouri Pacific R.R. bonds, 
Chicago, St. Louis and N. O. R.R. bonds, 
25 shares Nassau Bank, 



45 



German American Bank, 



Par value. 

$325,000 00 
10,000 00 
45,000 00 
20,000 00 
20,000 00 
2,500 00 
3,375 00 



Market value. 

$348,218 75 

9,700 00 

45,650 00 

22,600 00 

21,200 00 

3,500 00 

3,408 75 



$125,875 00 $454,277 50 



Securities held as collateral for cash loans : — 



11 shares Shoe and Leather Bank, 
6 " Park Fire Insurance Co., 
Peru Iron and Steel Co. bonds, . 
10 shares Manhattan Life Ins. Co., 
40 " Pacific Fire Ins. Co , . 
20 " Rutgers Fire Ins. Co., . 
20 " American Fire Ins, Co., 
20 " Citizens' Fire Ins. Co., 
Citizens' Fire Ins. Co. scrip, 



Market value. 

$1,540 00 

675 00 

550 00 

2,500 00 

1,910 00 1 

600 00 I 

1,500 00 \ 

600 00 | 

140 00 J 



Loaned thereon. 

$1,200 00 

300 00 

400 00 

1,000 00 



4,125 00 



$10,015 00 $7,025 09 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $21,500 00 

Loans on mortg'e of real estate (first liens*), 119,501 80 

Interest due or accrued thereon, . . . 3,109 13 

Stocks, bonds, etc., as per schedule, . . 454,277 50 

Loans on collateral security, as per schedule, 7,025 00 



* Value of lands mortgaged $154,000 00 

Value of buildings thereon 152,000 00 

Amount of insurance held as collateral, . . 127,300 00 



352 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Rents due and accrued, 

Reinsurance due, 

Salvage claim, 

Gross assets, 



111,734 31 

12,193 10 

168 75 

71,422 28 

4,068 43 

3,316 93 

500 00 



$708,817 23 



Liabilities, 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Due for borrowed money, . 
Commissions and brokerage, 
Return premiums, .... 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$32,505 74 

9,851 66 

2,750 00 

143,024 50 

1,500 00 

10,000 00 

2,306 20 

207 10 



202,145 20 

$506,672 03 
500,000 00 



Surplus over capital, 



i,672 03 



Income. 

Cash received for fire premiums, . . $412,742 22 
Deduct reinsurance and return premiums, . 92,820 25 

Net cash received for fire premiums, . . $319,921 97 

Interest received on bonds and mortgages, . . . 7,153 49 

Interest and dividends received from all other sources, . 18,929 54 

Income from rents, 1,163 00 

Gross cash income, . . $347,168 00 



Expenditures. 

Cash paid for fire losses, .... 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, . ... 
Cash paid for commissions and brokerage, 



$291,335 68 
87,427 94 



for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$203,907 74 

55,616 01 

29,658 22 

11,001 67 

32,664 87 



Gross cash expenditures, 



$332,848 51 



1883.] INS. COS. OF OTHER STATES. 353 



Risks and Premiums. 

Premiums. 
Fire risks outstanding Dec. 31, 1882, . . $29,354,986 00 $303,552 96 
written during 1883, . . . 42,337,683 00 402,378 23 



Total, $71,692,669 00 $705,93119 

Deduct risks expired and terminated, . 38,146,833 00 348,586 80 



In force at end of year, . . . .$33,545,836 00 $357,344 39 
Deduct amount reinsured, .... 5,840,756 00 73,700 11 



Net amount in force, .... $27,705,080 00 $283,644 28 



Miscellaneous. 

Premiums received from organization of company, . $4,031,882 91 

Losses paid from organization of company, . . . 2,314,671 04 
Cash dividends declared from organization of company, . 390,79177 
Fire losses incurred during the year, ..... 232,349 46 
Company's stock owned by directors, .... 143,200 00 



STERLING FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated Jan. 18, 1864. Commenced business Jan. 18, 1864.] 

Paid-up Capital, $350,000. 

Andrew L. Soulard, President. Louis P. Bayard, Secretary. 

Summary of Assets, Dec. 31, 1883. 

Loans on mort'ge of real estate (first liens*) , $47,000 00 

Interest due or accrued thereon, . . . 222 90 

United States bonds, 368,005 00 

Cash in the office of the company, . 1,100 45 

Cash deposited in bank, .... 14,088 71 

Premiums in course of collection (gross), . 16,014 83 
Premiums more than 3 mos. due, $228 79 

Gross assets, $446,431 89 



* Value of lands mortgaged, .... $64,500 00 
Value of buildings thereon, .... 43,000 00 
Amount of insurance held as collateral, . . 37,230 00 



354 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, 
Unearned premiums on outstanding risks, . 
State and local taxes, . . . . 
Commissions and brokerage, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$815 43 

9,380 00 

58,797 17 

315 00 

2,500 00 



Surplus over capital, 



$71,807 60 

^374,624 29 

350,000 00 

$24,624 29 



Income. 

Cash received for fire premiums, . . $124,869 25 
Deduct reinsurance and return premiums, . 16,268 19 

Net cash received for fire premiums, . . $108,601 06 

Interest received on bonds and mortgages, . . . 2,675 00 

Interest and dividends received from all other sources, . 12,158 18 

Gross cash income, . . . .... $123,434 24 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . 

Net cash paid for marine and inland losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, . . . 

Risks and Premiums. 



ju,583 61 
5,619 98 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks outstanding Dec. 31, 1882, 
Deduct risks expired and terminated, 



$13,386,446 00 
18,326,765 00 



31,713,211 00 
16,285,203 00 



$15,428,008 00 
993,920 00 



$54,963 63 

272 85 

22,247 28 

18,341 66 

2,632 61 

12,906 55 

5111,364 58 



Premiums. 

$85,928 20 
132,223 67 

$218,151 87 
97,639 61 

$120,512 26 
8,124 75 



$14,434,088 00 $112,387 51 

$20,000 00 $1,025 00 
20,000 00 1,025 00 



1883.] 



INS. COS. OF OTHER STATES. 



355 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$1,301,332 00 

616,317 00 

261,000 00 

58,667 86 

272 85 

84,900 00 



ST. PAUL FIRE AND MARINE INSURANCE COMPANY, 

ST. PAUL, MINN. 

[Incorporated May, 1854. Commenced business May, 1854.] 
Paid-up Capital, $500,000. 
C. H. Bigelow, President. C. B. Gilbert, Secretary. 



Detailed Statement of Stocks, 



United States bonds, .... 
270 shares First National Bank, St. Paul, 
240 
100 

40 

20 

25 

30 

50 

30 



Merch. National Bank, St. Paul 
Bank of Minnesota, St. Paul, 
St. Paul National Bank, St. Paul 
First Nat'l Bank, Alexandria, 
St. Paul Trust Co., St. Paul, 
First Nat'l Bank, St. Peter, 
First National Bank, Glencoe, 
St. Paul and S. C. R.R., . 
St. Paul & S. C. R.R. Land Cont's, first lien 
Chicago, St. P., M. & O. R.R Co. bonds, 
385 shares St. P. Warehouse & Elevator Co. 
St. Paul Warehouse & Elevator Co. bonds 
City of Minneapolis bonds, . 
Stillwater bonds, 
Mankato bonds, 
Town of Detroit bonds, 

Vernon Center bonds, 
Jo. Daviess bonds, 
Elmore bonds, 
Garden City bonds, 
Winnebago City bonds, 
Pilot Grove bonds, 
Oakwood bonds, . 
Blue Earth City bonds, 
Granite Falls bonds, 



Bonds, etc. 

Par value. 

$50,000 00 

27,000 00 

24,000 00 

10,000 00 

4,000 00 

2,000 00 

2,500 00 

3,000 00 

5,000 00 

3,000 00 

412 28 

10,000 00 

19,250 00 

10,000 00 

1,500 00 

10,000 00 

8,500 00 

3,755 00 

7,500 00 

5,500 00 

6,500 00 

7,000 00 

15,000 00 

5,000 00 

7,500 00 

36,000 00 

1,500 00 



Market value. 

$62,000 00 

43,200 00 

36,000 00 

12,000 00 

4,200 00 

2,000 00 

2,500 00 

3,750 00 

5,000 00 

1,500 00 

412 28 

10,800 00 

19,250 00 

10,000 00 

1,650 00 

11,000 00 

8,500 00 

4,060 50 

7,500 00 

5,500 00 

6,500 00 

7,000 00 

15,000 00 

5,000 00 

7,500 00 

36,000 00 

1,500 00 



356 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



County of Pine bonds, 
Rock bonds, 
Cass bonds, 
Ramsey bonds, . 
Barnes, D. T., bonds, 
Grand Forks, D. T., bonds, 
Grant school district bonds, 
Yellow Medicine sch'l dist. b'ds 
Otter Tail school district bonds 
Griggs, D. T , school dist. bonds 
Cass, D. T., school dist. bonds, 
Barnes, D. T., school dist. b'ds, 
Barnes, D. T., school dist. orders 
Cass, D. T., school dist orders, 
Wilkin warrants, 
Chippewa warrants, . 
Cass, D. T., warrants, 
Barnes, D. T., warrants, 
Traill, D. T., warrants, 
Ransom warrants, 



Securities held as collateral for cash loans : — 



Par value. 

$7,757 00 

24,000 00 

10,500 00 

1,000 00 

30,000 00 

4,000 00 

4,000 00 

700 00 

500 00 

500 00 

1,500 00 

1,500 00 

2,141 95 

10,979 50 

5,290 67 

1,483 46 

47 00 

919 73 

120 75 

96 00 



Market value. 

$8,532 70 

27,600 00 

10,500 00 

1,100 00 

31,800 00 

4,200 00 

4,000 00 

700 00 

500 00 

500 00 

1,500 00 

1,500 00 

2,141 95 

10,979 50 

5,290 67 

1,483 46 

47 00 

919 73 

120 75 

96 00 



,453 34 $442,834 54 



205 shares First National Bank, St. Paul, 

85 " Second National Bank, St. Paul 

740 " Merchants' Nat'l Bank, St. Paul 

150 " St. Paul Bank, St. Paul, . 

72 " Savings Bank, St. Paul, . 

350 " Bank of Minnesota, St. Paul, 

50 " Union Nat'l Bank, Minneapolis 

50 " Lumberman's N.B'k, Stillwater, 

50 " Continental Nat'l B'k, Chicago 

2339 " St. P. & S. C. R.R. Co.'s sp. land 

300 " Island Power Co., Minneapolis 

400 " Pioneer Press Co., St. Paul, 
St. Paul Harvester Works bonds, 



Market value. 

$32,800 00 

17,000 00 

111,000 00 

15,750 00 

7.200 00 

42,000 00 

5,000 00 

6,250 00 

6,250 00 

127,530 00 

22,500 00 

20,000 00 

6,000 00 



Loaned thereon. 

$19,100 00 

12,000 00 

75,000 00 

10,000 00 

5,800 00 

19,000 00 

3,200 00 

5,000 00 

5,000 00 

81,533 94 

15,000 00 

10,000 00 

4,000 00 



$419,280 00 $264,633 94 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $103,364 56 
Loans on mort'ge of real estate (first liens*) , 149,574 28 
Interest due or accrued thereon, . . . 3,404 78 



* Value of lands mortgaged, .... $193,100 00 

Value of buildings thereon 146,500 00 

Amount of insurance held as collateral, . . 116,535 00 



1883.] INS. COS. OF OTHER STATES. 357 

Stocks, bonds, etc., as per schedule, . . $442,834 54 

Loans on collateral security, as per schedule, 264,633 94 
Cash in the office of the company, . . 3,466 40 

deposited in bank, . . . . 85,509 67 

Interest due and accrued, . . . . 14,246 86 

Premiums in course of collection (gross), . 21,906 60 

Notes taken for marine and inland risks, . 10,026 57 

Rents due and accrued, .... 658 94 

Reinsurance due, 1,400 73 

Gross assets,* . . . . . $1,101,027 87 



Liabilities. 

Losses adjusted, unpaid, .... $19,138 42 

claimed and reported, . . . 32,334 10 

disputed or resisted, . . . 3,250 00 



Total amount of losses, .... $54,722 52 
Less reinsurance, 11,000 00 



Net amount of unpaid losses, . . . $43,722 52 

Unearned premiums on outstanding risks, . 310,492 94 
Commissions and brokerage, . . . 2,346 98 

Gross liabilities, except capital, . . 356,562 44 



Surplus as regards policy-holders, .... $744,465 43 
Paid-up capital, 500,000 00 



Surplus over capital, $244,465 43 



Income. 

Cash received for fire premiums, . . $575,569 97 
Deduct reinsurance and return premiums, . 105,702 33 

Net cash received for fire premiums, . . $469,867 64 

Cash rec'd for marine and inland prem's, . $42,155 58 
Deduct reinsurance and return premiums, . 4,881 08 

Net cash rec'd for marine and inl'd prem's, 37,274 50 

Interest received on bonds and mortgages, . . . 9,500 37 

Interest and dividends received from all other sources, . 55,552 00 
Income from rents, 7,366 91 



Gross cash income, ....... $579,561 42 



* The company holds, also, instalment premium notes to the amount of $195,754.32, which 
do not enter into nor form any part of the assets of the company, as no portion of them is 
earned. Whatever value might be attached to them would necessarily be counterbalanced 
by the addition of an exactly equal amount to the reinsurance liability, the entire sum con- 
sisting of " unearned premiums." 



358 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, .... $348,776 55 

Deduct salvage and reinsurance, . . 45,592 64 

Net cash paid for fire losses, . . . . 

Cash paid for marine and inland losses, . $32,143 90 

Deduct salvage and reinsurance, . . 5,442 40 



Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, . 



$303,183 91 



26,701 50 

50,000 00 

73,074 68 

29,231 21 

8,998 39 

26,721 74 



5517,911 43 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, . . . 



$45,010,915 00 
41,988,450 00 



$86,999,365 00 
37,771,410 00 



Premiums. 

$558,376 80 
568,743 77 

11,127,120 57 
498,144 60 



,227,955 00 
4,748,923 00 



,975 97 
50,046 66 



$44,479,032 00 $578,929 31 



$91,751 00 

6,724,784 00 

116,816,535 00 

6,654,355 00 



$4,891 00 
46,945 01 

$51,836 01 
39,945 01 



$162,180 00 $11,891 00 



Miscellaneous. 

Premiums received from organization of company, . 

Losses paid from organization of company, 

Cash dividends declared from organization of company, 

Dividends declared during the year (10 per cent.), . 

Fire losses incurred during the year, .... 

Inland losses incurred during the year, 

Company's stock owned by directors, 



56,323,262 28 

3,886,371 32 

616,696 47 

50,000 00 

311,800 82 

28,459 17 

273,700 00 



1883.] 



INS. COS. OF OTHER STATES. 



359 



TRADERS' INSURANCE COMPANY, CHICAGO, ILL. 

[Incorporated February, 1865. Reorganized May, 1872.] 

Paid-up Capital, $500,000. 

E. Buckingham, President. R. J. Smith, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
Cook county bonds, . . . . 
Evanston water bonds, 
Chicago city bonds, . . 
Chicago City Railroad bonds, 
Chicago City Railroad stock, 
Chicago, Mil. and St. Paul R.R. bonds, 
Chicago and North Western R.R. bonds, 
Chicago, Burl, and Quincy R.R. bonds, 
Lincoln Park bonds, .... 
American Express Co. stock, 



Par value. 

$350,000 00 
43,000 00 
15,000 00 
13,000 00 
20,000 00 
60,000 00 
50,000 00 
50,000 00 
50,000 00 
6,000 00 
30,000 00 



Market value. 

$434,000 00 
46,957 50 
17,100 00 
15,130 00 
19,000 00 
139,800 00 
59,750 00 
62,000 00 
44,750 00 
6,240 00 
27,300 00 



$687,000 00 $872,027 50 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $137,195 98 

Stocks, bonds, etc., as per schedule, . . 872,027 50 

Cash in the office of the company, . . 720 01 

Cash deposited in bank, . . . . 68,137 41 

Interest due and accrued, .... 4,001 66 

Premiums in course of collection (gross), . 46,218 36 

Reinsurance and rents due, .... 37,077 18 

Gross assets, 



,165,378 10 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, 

Less reinsurance, ..... 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Commissions and brokerage, 

Miscellaneous, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, 



$12,767 18 

26,535 00 

7,064 78 

$46,366 96 
2,264 65 

$44,102 31 

217,462 40 

8,046 15 

33,952 86 



303,563 72 



1,814 38 
500,000 00 

,814 38 



360 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



$507,364 85 
98,888 98 



Income. 

Cash received for fire premiums, 

Deduct reinsurance and return premiums, . 

Net cash received for fire premiums, . . 

Net cash received for marine and inland premiums, . 
Interest and dividends received from all sources, 
Income from rents, 

Gross cash income, ...... 



,475 87 

3,904 59 

8,927 75 

6,000 00 



$457,308 21 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, . 



221,624 27 

12,148 98 

$8,425 67 

241 34 



$209,475 29 



8,184 33 
50,000 00 
71,002 08 
27,865 64 
14,266 45 
11,972 37 

$392,766 16 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, , 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks written during 1883, 
Deduct risks expired and terminated, 



$21,134,529 00 
41,939,673 00 

3,074,202 00 
29,882,983 00 



Premiums. 

^297,272 85 
531,935 57 



29,208 42 
367,631 14 



,191,219 00 $461,577 28 
2,431,280 00 40,426 01 



,759,939 00 $421,151 27 



. $1,833,646 00 
. 1,833,646 00 



$3,904 59 
3,904 59 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, .... 



$4,057,455 87 

2,319,780 66 

572,500 00 

50,000 00 

217,216 67 

8,334 33 

95,000 00 



1883.] 



INS. COS. OF OTHER STATES. 



361 



UNION INSURANCE COMPANY, PHILADELPHIA, PENN. 

[Incorporated Feb. 6, 1804. Commenced business July 25, 1803.] 

Paid-up Capital, $1,000,000. 

Colson Hieskill, President. John B. Craven, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



Chesapeake and Delaware Canal Co. Vds, 
Schuylkill Navigation Compaq bonds, 
Pennsylvania Canal Company bonds, 
North Pennsylvania Railroad bonds, 
Pittsburgh water bonds, 
American Steamship Company bonds 
United States bonds, . 
Susquehanna Coal Company bonds, 
Pittsburg Avenue bonds, 
Baltimore and Ohio Railroad bonds, 
Steubenville and Indiana Railroad bonds, 
New Jersey Central Car Trust bonds, 
Philadelphia and Reading Railroad bonds, 
New York and Pacific Car Trust bonds, 
Colorado Car Trust bonds, . 
Pennsylvania Car Trust bonds, . 
New York and Pacific Car Trust bonds, 
Guarantee Car Trust bonds, 
St Louis and Iron Mt. Car Trust bonds, 
New York Car Trust Company bonds, 
Perkiomen Railroad mortgage bonds, 
100 shares Little Schuylkill Railroad, . 
700 " Pennsylvania Railroad, 
136 " North Pennsylvania Railroad, 
48 " Delaware Railroad, . 
68 " Philadelphia National Bank, 
88 " Farmers' and Mech. Nat'l Bank 
88 " Dela. Mutual Safety Ins. Co., 
525 " Harris., Ports , Mt. Joy & L. R.R. 
9 " Prod. Exch. National Bank, 



Par value. 

$14,610 00 

10,000 00 

15,000 00 

14,500 00 

10,000 00 

5,000 00 

17,000 00 

10,000 00 

33,900 00 

25,000 00 

15,000 00 

1,000 00 

25,000 00 

13,000 00 

10,000 00 

16,000 00 

32,000 00 

6,000 00 

10,000 00 

44,000 00 

5,600 00 

5,000 00 

35,000 00 

6,800 00 

1,200 00 

6,800 00 

8,800 00 

2,200 00 

26,250 00 

900 00 



Market value. 

$10,957 50 

9,500 00 
13,650 00 
16,045 00 
12,525 00 

5,450 00 
19,550 00 
11,100 00 
36,273 00 
28,750 00 
15,450 00 

1,010 00 
28,750 00 
13,260 00 
10,000 00 
16,160 00 
32,000 00 

6,060 00 
10,000 00 
44,000 00 

5,740 00 

6,350 00 
40,775 00 

9,248 00 

1,344 00 
15,130 00 
12,320 00 

4,532 00 
39,900 00 

1,080 00 



$425,560 00 $476,909 50 



Securities held as collateral for cash loans : — 

Market value. Loaned thereon* 

143 shares Pennsylvania Railroad, . . $7,805 50 $6,500 00 

83 " Pennsylvania Railroad, . . 4, 

Lehigh Valley Railroad bonds, ... 2, 

100 shares Northern Pacific Railroad, . 5,600 00 3,500 00 



t,834 75^ 
!,370 00 / 



6,000 00 



362 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Catawissa Railroad bonds, . 

Real estate mortgage, . 

Philadelphia city bonds, 

Northern Pacific Railroad bond, 

10 shares Lehigh Valley Railroad, 

Lehigh Valley Railroad bonds, . 

70 shares United Cos. of New Jersey, 

40 " United N. J. R.R. and Canal Co 

15 " Fire Association, . 

Judgment note, 

Pittsburgh city loan, .... 



Market value. Loaned thereon. 


$1,200 00 


$1,000 00 


16,800 00 


10,000 00 


680 00 


50 00 


1,000 00 


900 00 


715 00 


625 00 


2,400 00^1 
13,580 00 / 


12,500 00 




7,760 00 


1,100 00 


4,125 00 


3,750 00 


1,907 26 


953 63 


9,450 00 


9,000 00 


$80,227 51 


$55,878 63 



Summary of Assets, Dec. 31, 1883. 



Cash value of unencumbered real estate, 
Loans on mortg'e of real estate (first liens), 
Interest due or accrued thereon, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (net), 
Notes taken for marine and inland risks, 
Rents due and accrued, 

Reinsurance due, 

Gross assets, 



$186,000 00 

63,000 00 

887 50 

476,909 50 

55,878 63 

75,366 52 

300,849 13 

2,985 80 

190,056 81 

38,121 69 

1,489 34 

520 68 



$1,392,065 60 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Dividends to stockholders unpaid, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$9,921 68 

96,185 40 

224,916 12 

32,480 41 

2,498 27 



Surplus over capital, 



366,001 88 

11,026,063 72 
1,000,000 00 

$26,063 72 



Income. 

Cash received for fire premiums, . . $390,417 04 

Deduct reinsurance and return premiums, . 70,373 83 

Net cash received for fire premiums, . . 



$320,043 21 



1883.] INS. COS. OF OTHER STATES. 



363 



Cash rec'd for marine and inland premiums, $570,997 42 
Deduct reinsurance and return premiums, . 237,089 07 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Deposits received for perpetual fire risks, . $2,851 70 

Received for increased capital, . . . 500,000 00 

Gross cash income, 



$333,908 35 

2,160 00 

24,744 80 

14,709 00 



$095,565 36 



Expenditures. 

Cash paid for fire losses, . . . ' $297,023 84 

Deduct salvage and reinsurance, . . . 34,134 44 

Net cash paid for fire losses, . . . 

Cash paid for marine and inland losses, . $436,104 53 
Deduct salvage and reinsurance, . . 83,314 06 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, . 
Deposits returned on perpetual fire risks, . $1,91170 

Gross cash expenditures, 



$262,889 40 



352,790 47 
39,993 20 

128,050 55 
31,616 00 
17,386 78 
47,574 79 



,301 19 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

$32,181,128 00 $360,329 38 
37,921,284 00 393,354 86 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Perpetual risks (not included above), 



Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, 

In force at end of year. 
Deduct amount reinsured, . 

Net amount in force, . 



$70,102,412 00 $753,684 24 
42,990,435 00 421,450 88 



$27,111,977 00 
1,680,808 00 



$25,431,169 00 
$1,095,625 00 

$1,432,292 00 
62,431,555 00 



$332,233 36 
20,473 31 

$311,760 05 

$36,089 34 

$63,278 55 
642,475 74 



,863,847 00 $705,754 29 
62,405,901 00 642,211 35 



.,457,946 00 
417,294 00 



$63,542 94 
4,865 54 



,040,652 00 $58,677 40 



364 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year, .... 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



$16,929,733 00 

12,389,432 00 

1,836,599 00 

39,995 20 

251,021 77 

394,685 47 

113,490 00 



UNION INSURANCE COMPANY, SAN FRANCISCO, CAL. 

[Incorporated April 28, 1865. Commenced business June 20, 1865.] 

Paid-up Capital, $750,000. 

Gustave Touchard, President. James D. Bailey", Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Montgomery Avenue bonds, 
Oakland city bonds, 
Alameda town bonds, . 



300 shares Presidio and Ferris R.R. Co., 
100 " Spring Valley Water Co., . 



Par value. 

$508,000 00 

120,000 00 

8,000 00 

10,000 00 



Market value. 

$569,950 00 
48,000 00 
10,000 00 
11,000 00 



$646,000 00 $638,950 00 



Securities held as collateral for cash loans : — 



Market value. Loaned thereon. 

$21,000 00^ S25( 
9,000 00 / 



,000 00 



,000 00 $25,000 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $100,000 00 

Loans on mort'ge of real estate (first liens*) , 244,854 00 

Interest due or accrued thereon, . . . 3,635 20 

Stocks, bonds, etc., as per schedule, . . 638,950 00 

Loans on collateral security, as per schedule, 25,000 00 

Cash in the office of the company, . . 9,936 25 

Cash deposited in bank, .... 70,996 07 



* Value of lands mortgaged $351,000 00 

Value of buildings thereon 271,000 00 

Amount of insurance held as collateral, . . 170,750 00 



1883.] 



INS. COS. OF OTHER STATES. 



365 



Interest due and accrued, .... 
Premiums in course of collection (gross), . 
Notes taken for marine and inland risks, . 
Premiums more than 3 mos. due, $1,470 00 

Gross assets, 

Deduct special deposits in other States, 



$4,735 00 

26,602 70 

9,390 73 



Balance, 



$1,134,099 95 
60,500 00 

$1,073,599 .95 



Liabilities. 

Losses adjusted, unpaid, .... $9,280 46 

claimed and reported, . . . 18,450 92 

disputed or resisted, . . . 1,000 00 

Unearned premiums on outstanding risks, . 198,008 10 

Unused balances of premium notes, . . 1,018 00 

Dividends to stockholders unpaid, . . 240 00 

Commissions and brokerage, . . . 1,619 65 

Gross liabilities, except capital, . . . $229,617 13 

Deduct liabilities on special deposits, . . 9,830 00 



Surplus as regards policy-holders, 
Paid-up capital, . 



Surplus over capital, 



219,787 13 

$853,812 82 
750,000 00 



3,812 82 



Income. 

Cash received for fire premiums, . . $367,682 10 

Deduct reinsurance and return premiums, . 58,882 91 

Net cash received for fire premiums, . . 

Cash recM for marine and inland premiums, $123,047 88 

Deduct reinsurance and return premiums, . 18,287 85 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, . . . . . . 



Gross cash income, 



$308,799 19 



104,760 03 

19,598 50 

19,306 65 

8,980 00 

$461,444 37 



Expenditures. 

Cash paid for fire losses, .... $129,819 65 

Deduct salvage and reinsurance, . . 4,481 77 

Net cash paid for fire losses, . . . 

Cash paid for marine and inland losses, . $47,899 29 

Deduct salvage and reinsurance, . . 265 20 

Net cash paid for marine and inland losses, 

Cash dividends paid, . 



$125,337 88 



47,634 09 
89,760 00 



366 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash paid for commissions and brokerage, . 
salaries of officers and employees, 
for State and local taxes, 
for incidentals, , 

Gross cash expenditures, 



$53,265 97 
53,378 29 
10,849 41 

38,888 07 

$419,113 71 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 

Deduct amount reinsured, . . 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$23,564,647 00 
30,145,708 00 



$53,710,355 00 
26,300,669 00 



$27,409,686 00 
1,381,237 00 



Premiums. 

$289,476 92 
364,073 93 

$653,550 85 
295,998 44 

$357,552 41 
19,324 93 



$26,028,449 00 $338,227 48 



$994,424 00 
12,147,247 00 



$41,249 85 
123,678 36 



,141,671 00 
12,109,435 00 



$164,928 21 
127,566 06 



$1,032,236 00 
70,100 00 



$37,362 15 
2,262 00 



$962,136 00 $35,100 15 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 
Company's stock owned by directors, 



£6,736,738 67 

3,619,292 71 

1,957,500 00 

90,000 00 

123,023 17 

41,877 25 

229,700 00 



1883.] INS. COS. OF OTHER STATES. 



367 



UNITED FIREMEN'S INSURANCE COMPANY, PHILADELPHIA, 

PENN. 

[Incorporated April 2, 1860. Commenced business April 1, 1861 ] 

Paid-up Capital, $300,000. 

Joseph L. Caven, President. Robert B. Beatii, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 

Philadelphia city bonds, 

Pittsburgh street bonds, 

Northern Central Railroad bonds, 

Railroad Equipment bonds, . 

Iron Mountain Car Trust certificate, 

Central R.R. of N. J. Car Trust certificate, 

Colorado Rolling Stock Trust certificate, 

Reading Railroad mortgage bonds, . 

Continental Passenger Railroad stock, 

Chicago and West'n Indiana R.R. bonds, 



Par value. 

$50,000 00 
60,000 00 
31,000 00 
10,000 00 
10,000 00 
9,000 00 
10,000 00 
10,000 00 
20,000 00 
20,000 00 
10,000 00 



Market value. 

$61,812 50 
65,400 00 
31,905 00 
11,600 00 
10,000 00 
9,000 00 
10,000 00 
10,000 00 
20,100 00 
20,600 00 
10,200 00 



$240,000 00 $260,617 50 



Securities held as collateral for cash loans : — 



North Pennsylvania Railroad bonds, . 
Mortgage, 

110 shares R. E. Title, Ins. and T. Co., 
1000 " Germantown Pass. Railway, 

100 " North Pennsylvania Railroad, 



Market value. 

$30,500 00 

5,000 00 

22,000 00 

71,000 00 

6,800 00 



Loaned thereon. 

$28,000 00 

2,500 00 

15,500 00 

60,000 00 

6,000 00 



$135,300 00 $112,000 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $129,364 87 

Loans on mort'ge of real estate (first liens*), 250,020 59 

Interest due or accrued thereon, . . . 4,655 53 

Stocks, bonds, etc., as per schedule, . . 260,617 50 

Loans on collateral security, as per schedule, 112,000 00 



* Total value of property mortgaged, . . $398,000 00 
Amount of insurance held as collateral, . . 194,050 00 



368 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash in the office of the company, 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (net), 

Rents due and accrued, . . 

Gross assets, 



$104 98 

10,949 48 

5,291 07 

7,571 09 

438 40 



1,013 51 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
State and local taxes, . ... 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, 



$1,159 35 
6,926 16 
1,900 00 

69,810 16 

329,047 56 

2,108 49 



410,951 72 

£370,061 79 
300,000 00 

$70,061 79 



Income. 

Cash received for fire premiums, . . $127,962 91 
Deduct reinsurance and return premiums, . 11,897 39 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

from transfers, ....... 

Deposits received for perpetual fire risks, . $33,456 25 

Gross cash income, . 



.16,065 52 

11,514 65 

16,979 34 

6,345 64 

908 50 



$151,813 65 



Expenditures. 

Net cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees 

for State and local taxes, . 

for incidentals, .... 

for repairs on real estate, . 
Deposits returned on perpetual fire risks, . $10,926 07 



$62,977 33 
18,000 00 
27,106 25 
8,673 45 
2,648 66 
8,760 87 
6,554 58 



Gross cash expenditures, 



$134,721 14 



1883.] 



INS. COS. OF OTHER STATES. 



369 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

$8,204,676 00 $92,317 85 
13,482,965 00 131,288 29 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Perpetual risks (not included above) , 



$21,687,641 00 $223,606 14 
9,734,576 00 89,394 97 



$11,953,065 00 $134,211 17 
177,632 00 2,081 46 



$11,775,433 00 $132,129 71 
$14,643,963 00 $360,745 12 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.) . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, .... 



$957,600 72 

602,563 28 

146,505 86 

18,000 00 

68,073 07 

111,820 00 



UNITED STATES FIRE INSURANCE COMPANY, NEW 

YORK, N. Y. 

[Incorporated April 1, 1824. Commenced business April 9, 1824.] 

Paid-up Capital, $250,000. 

W. Wilson Underhill, President. George E. Cock, Secretary. 



Summary of Assets, Dec. 31, 1883. 

$238,400 00 



Loans on mort'ge of real estate (first liens*), 
Interest due or accrued thereon, . 
United States bonds, . 
Cash in the office of the company, 

deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (gross) , 
Gross assets, 



1,976 17 
283,972 50 
1,031 00 
731 00 
2,363 00 
9,239 00 



$537,712 67 



* Value of lands mortgaged, .... $249,500 00 
Value of buildings thereon, . . . . 300,000 00 

Amount of insurance held as collateral, . 233,886 00 



370 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc., 
State and local taxes, . 
Commissions and brokerage, 
Return premiums, 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, .. 



$6,985 92 

6,505 00 

43,814 73 

78 75 

1,200 00 

625 00 

1,539 00 

266 00 



.1,014 40 



$476,698 27 
250,000 00 



$226,698 27 



Income. 

Cash received for fire premiums, 

Deduct reinsurance and return premiums, . 

Net cash received for fire premiums, . 

Cash rec'd for marine and inland prem's, . 

Deduct reinsurance and return premiums, . 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Income from return taxes, etc., . 

Gross cash income, .... 



$76,265 48 
2,885 74 


#73,379 74 

10,012 94 
11,772 86 
10,668 08 

776 72 


$10,903 05 
890 11 


sources, 


• 


• e 


$106,610 34 



Expenditures. 

Cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for incidentals, ... 



$11,571 30 
868 96 



$35,547 94 



10,702 34 
25,618 75 
12,510 73 
11,091 67 
3,037 53 
11,206 38 



Gross cash expenditures, 



$109,715 34 



1883.] INS. COS. OF OTHER STATES. 



371 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 
.$12,702,441 00 $55,586 91 
. 15,085,948 00 81,633 62 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$27,788,389 00 $137,220 53 
. 13,537,297 00 57,978 66 



.$14,251,092 00 $79,241 87 
325,663 00 1,695 11 



$13,925,429 00 $77,546 76 



Marine risks outstanding Dec. 31, 1882, . $314,855 00 $11,559 23 

written during 1883, . . 1,195,135 00 7,316 17 

Total, $1,509,990 00 $18,875 40 

Deduct risks expired and terminated, . . 1,325,560 00 12,589 45 

In force at end of year, . . . . $184,430 00 $6,285 95 



Miscellaneous. 

Premiums received from organization of company, . 

Losses paid from organization of company, 

Cash dividends declared from organization of company, 

Dividends declared during the year (10 per cent.), . 

Fire losses incurred during the year, . 

Marine and inland losses incurred during the year, . 

Company's stock owned by directors, 



13,079,041 00 

1,651,176 00 

1,479,119 00 

25,000 00 

. 32,634 00 

10,456 00 

50,925 00 



UNITED STATES LLOYDS, NEW YORK, N. Y. 

[Commenced business, 1873.] 

Higgins & Cox, Attorneys for the Subscribers. 



Detailed Statement op Stocks, Bonds, etc. 



United States bonds, 

New York city and county bonds, 

Boston city water loan, .... 

Atlantic Mutual Insurance Company scrip, 



Par value. 
$50,000 00 
100,000 00 

50,000 00 



Market value. 

$67,000 00 

132,000 00 

58,500 00 

120 00 



$257,620 00 



372 FIRE, MARINE, AND FIRE-MARINE [Dec. 31 



Securities held as collateral for cash loans : — 



New York, Chic, and St. Louis R.R. stock, . 
St. Paul and S. M. Railroad bonds, 
Morris and Essex Railroad bonds, 
100 shares Chicago and Dalton Railroad, . 
100 " St. Paul preferred, . 
Georgia Central R R. and Bank'g Co. bonds, 
40 shares New York Central Railroad, 
Erie Railroad bonds, 



Market value. 
$110,000 00 
7,420 00 "I 
9,380 00 i 
13,425 00 j 
11,600 00 j 
17,600 00 
4,520 00 
59,556 00 



Loaned thereon. 
$80,000 00 



y 30,000 oo 

15,000 00 

3,000 00 

50,000 00 



$233,501 00 $178,000 00 



Summary of Assets, Dec. 31, 1883. 

Stocks, bonds, etc., as per schedule, . . $257,620 00 

Loans on collateral security, as per schedule, 178,000 00 

Cash deposited in bank, .... 62,047 30 

Interest due and accrued, .... 4,569 57 

Premiums in course of collection (gross), . 71,378 46 

Notes taken for marine and inland risks, . 4,360 57 

Salvage and reinsurance, .... 29,816 53 

Rebates, etc., 4,317 40 

Gross assets, 



$612,109 83 



Liabilities. 

Amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 

Special deposit, 

Gross liabilities, .... 



$21,006 01 

64,213 85 

2,380 56 

3,500 00 

523 41 



Surplus, 



91,623 83 



$520,486 00 



Income. 

Cash rec'd for marine and inland premiums, $716,567 83 
Deduct reinsurance and return premiums, . 277,530 56 

Net cash rec'd for marine and inlM prem's, $439,037 27 

Interest and dividends received from all sources, . . 19,447 46 
Income from brokerage, discounts, etc., .... 7,510 41 

Gross cash income, $465,995 14 



Expenditures. 

Cash paid for marine and inland losses, . $252,695 35 

Deduct salvage and reinsurance, . . 9,985 54 

Net cash paid for marine and inland losses, 



$242,709 81 



1883.] INS. COS. OF OTHER STATES. 373 

Cash dividends paid subscribers, $65,000 00 

Cash paid for commissions and brokerage, . . . 34,089 53 

for salaries of officers and employees, . . 55,856 26 

for bad debts, . 699 27 



Gross cash expenditures, $398,354 87 

Risks and Premiums.* 

Premiums. 

Marine risks outstanding Dec. 31, 1882, . $7,592,645 00 $59,201 67 
written during 1883, . . . 86,552,691 00 721,580 01 



Total, $94,145,336 00 $780,781 68 

Deduct risks expired and terminated, . 86,331,186 00 716,567 83 



In force at end of year, . . . $7,814,150 00 $64,213 85 

Deduct amount reinsured, .... 373,931 00 3,069 12 



Net amount in force, .... $7,440,219 00 $61,144 73 



WESTCHESTER FIRE INSURANCE COMPANY, NEW 

YORK, N. Y. 

[Incorporated as Mutual March 14, 1837. Commenced business as Joint Stock Jan. 1. 1870.] 

Paid-up Capital, $300,000. 
Geo. R. Crawford, President. John Q. Underbill, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $580,000 00 $718,000 00 

Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

Central Bank stock, $2,600 00 $1,600 00 

Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $18,000 00 

Loans on mort'ge of real estate (first liensf) , 134,850 00 

Interest due or accrued thereon, . . . 2,043 08 

Bonds, as per schedule, .... 718,000 00 

Loans on collateral security, as per schedule, 1,600 00 



* Estimated. 

t Value of lands mortgaged $179,400 00 

Value of buildings thereon, .... 159,000 00 

Amount of insurance held as collateral, . 134,800 00 



374 FIRE, MARINE, AND FIRE-MARINE [Dec. 31 



Cash deposited in bank, 

Premiums in course of collection (gross), 

Premiums more than 3 mos. due, $3,757 72 

Gross assets, 

Deduct special deposits in other States, 



Balance, 



Liabilities 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 

Less reinsurance, 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Commissions and brokerage, 

Gross liabilities, except capital, . 
Deduct liabilities on special deposits, . 

Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, 



$40,173 24 
70,548 14 



$44,290 05 

11,812 00 

1,000 00 

$57,102 05 
3,087 50 

$54,014 55 

418,116 03 

10,520 90 

$482,651 48 
31,347 60 



$985,214 46 
35,000 00 



$950,214 46 



451,303 88 

$498,910 58 
300,000 00 



$198,910 58 



Income. 

Cash received for fire premiums, . . $695,044 22 
Deduct reinsurance and return premiums, . 69,076 28 

Net cash received for fire premiums, . . $625,967 94 

Interest received on bonds and mortgages, . . . 7,810 48 

Interest and dividends received from all other sources, . 21,257 42 

Income from rents, , 3,088 76 

Gross cash income, $658,124 60 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . . . — 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for incidentals, . . . 



$352,746 83 
18,183 86 



$334,562 97 

30,000 00 

113,843 83 

27,737 21 

17,503 51 

84,111 37 



Gross cash expenditures, 



7,758 89 



1883.] 



INS. COS. OF OTHER STATES. 



375 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

. $82,973,904 00 $746,164 77 
. 76,626,011 00 700,627 49 



Total, .... 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . . 



$159,599,915 00 $1,446,792 26 
65,899,632 00 629,665 94 



. $93,700,283 00 $817,126 32 
. 1,753,652 00 21,089 16 



.$91,946,631 00 $796,037 16 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



£8,909,405 57 

4,961,367 56 

348,000 00 

30,000 00 

338,816 32 

89,930 00 



WILLIAMSBURGH CITY FIRE INSURANCE COMPANY, 
BROOKLYN, N. Y. 

[Incorporated March, 1853. Commenced business March, 1853.] 

Paid-up Capital, $250,000. 

Edmund Driggs, President. N. W. Meserole, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $ 266,000 00 $285,615 00 

Grand St and Newtown Railroad bonds, . 21,000 00 21,630 00 

Georgia State bonds, 25,000 00 25,750 00 

Broadway Railroad bonds, . . . . 3,000 00 3,210 00 

Broadway Railroad stock, .... 15,400 00 32,340 00 

Grand St. and Newtown Railroad stock, . 33,000 00 33,000 00 

Long Island Bank stock, Brooklyn, . . 10,000 00 12,000 00 

First National Bank stock, Brooklyn, . . 4,900 00 13,475 00 

People's Gas Light Co. stock, Brooklyn, . 13,000 00 9,100 00 

Metropolitan Gas Light Co. stock, Brooklyn, 5,000 00 4,500 00 

Citizens' Gas Light Co. stock, Brooklyn, . 7,120 00 6,408 00 

Dry Dock, E. B'dway & Battery R.R. stock, 20,000 00 53,000 00 



$423,420 00 $500,028 00 



376 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans : - 

Pacific Insurance Co., N. Y., stock, 
Greenwich Insurance Co., N. Y., stock, 
Union Ferry Co., Brooklyn, stock, 
Grand St and Newtown R.R., B'klyn, stock, 
People's Gas Co., Brooklyn, stock, 
Lafayette Insurance Co., Brooklyn, stock, . 
Cypress Hills Cemetery bonds, . 



Market value. Loaned thereon. 


$1,900 00 


$1,500 00 


725 00 


350 00 


990 00 


600 00 


1,000 00 


800 00 


175 00\ 

950 00 / 


900 00 


9,000 00 


6,500 00 


$14,740 00 


$10,650 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, , $360,102 63 

Loans on mort'ge of real estate (first liens*), 104,710 00 

Interest due or accrued thereon, . . 1,135 90 

Stocks, bonds, etc., as per schedule, . . 500,028 00 

Loans on collateral security, as per schedule, 10,650 00 

Cash in the office of the company, . . 5,527 42 

Cash deposited in bank, .... 77,469 84 

Interest due and accrued, .... 6,182 38 

Premiums in course of collection (gross), . 65,352 95 

Rents due and accrued, . . . . • 1,076 98 

Reinsurance due, 1,422 46 

Premiums more than 3 mos. due, $333 77 

Gross assets,f 

Deduct special deposit in other States, 



Balance, 



$1,133,658 56 
39,335 00 

$1,094,323 56 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc., 



$8,179 16 

29,735 44 

5,500 00 



$43,414 60 
6,317 84 



$37,096 76 

389,225 56 

275 00 

2,500 00 



* Value of lands mortgaged, .... $88,55000 
Value of buildings thereon, .... 131,20000 
Amount of insurance held as collateral, . . 113,200 00 

t Including $255,000 special reserve fund held under New York law. 



1883.] 



INS. COS. OF OTHER STATES. 



377 



State and local taxes, . . . . . . $2,844 80 

Commissions and brokerage, . . . 11,903 04 

Return premiums, 6,385 87 

Gross liabilities, except capital, . . $450,231 03 

Deduct liabilities on special deposits, . . 32,310 46 



$417,920 57 



Surplus as regards policy-holders, 



$676,402 99 



Paid-up capital, 250,000 00 

Surplus over capital, $426,402 99 

Income. 

Cash received for fire premiums, . . $749,235 60 
Deduct reinsurance and return premiums, . 95,840 66 

Net cash received for fire premiums, . . $653,394 94 

Interest received on bonds and mortgages, . . . 7,540 -61 

Interest and dividends received from all other sources, . 27,887 43 

Income from rents, 12,110 06 

Gross cash income, . $700,933 04 



Expenditures. 

Cash paid for fire losses, .... $333,397 78 
Deduct salvage and reinsurance, . . 34,249 32 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

for interest on mortgage, . . . 

Gross cash expenditures, 



$299,148 46 
49,770 00 
155,872 83 
52,713 14 
16,883 09 
51,242 61 
9,010 5.7 



$634,640 70 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

.$86,372,228 00 $663,978 70 
.102,619,117 00 743,438 99 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



$188,991,345 00 $1,407,417 69 
91,532,725 00 595,629 34 



$97,458,620 00 
5,981,829 00 



511,788 35 
65,521 93 



Net amount in force, 



'1,476,791 00 $746,266 42 



378 FIRE, MARINE, AND FIRE-MARINE 



[Dec. 31. 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent.), . 
Fire losses incurred during the year, .... 
Company's stock owned by directors, 



18,052,435 49 

4,174,592 39 

852,500 00 

50,000 00 

293,864 30 

81,700 00 



1883.] 



INS. COS. OF OTHER STATES. 



379 



AGGREGATE. 



Capital Stock. 




Capital actually paid up in cash, .... 


$45,786,100 00 


Scrip outstanding, 


9,104,313 00 


Assets. 




Gross present assets, . . 


$134,097,223 00 


Liabilities. 




Gross present liabilities, 


$45,199,840 00 


Income. 




Cash actually received for tire premiums, . 


$43,329,083 00 


for marine and inland premiums, 


9,991,259 00 


for interest and dividends from all sources, 


5,507,517 00 


from all other sources, 


494,761 00 


Gross cash income, 


$59,322,620 00 


Expenditures. 




Cash actually paid during the year for fire losses, 


$24,858,878 00 


for marine and inland losses, .... 


6,305,827 00 


for dividends to stockholders, .... 


5,449,890 00 


for redemption of scrip, 


1,907,709 00 


for interest to scrip-holders, .... 


575,296 00 


for brokerage and commissions on premiums, . 


8,525,599 00 


for salaries and pay of officers and employees, . 


3,957,775 00 


for State and local taxes, ..... 


1,302,321 00 


for office, agency, and incidental expenses, 


3,730,688 00 


Gross cash expenditures, .... 


$56,613,983 00 


Miscellaneous. 




Whole amount of fire risks written during the year, . 


$5,198,387,386 00 


premiums charged or receivable thereon, 


50,556,949 00 


marine and inland riskswritten during the year, 


1,571,782,468 00 


premiums charged or receivable thereon, 


12,605,627 00 


fire risks terminated during the year, 


4,532,403,679 00 


marine and inland risks terminated, 


1,576,358,684 00 


fire risks outstanding at end of year, 


5,604,479,405 00 


marine and inland risks outstanding, 


193,928,926 00 


dividends declared, 


5,439,548 00 


fire losses incurred, 


25,417,550 00 


marine losses incurred, 


6,576,426 00 



UNITED STATES BKANCHES OF 

FOREIGN FIRE 
INSURANCE COMPANIES 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1883. 



382 



UNITED STATES BRANCHES OF [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



UNITED STATES BRANCH OF THE BRITISH AMERICA 
ASSURANCE COMPANY, TORONTO, CANADA. 



Summary of Assets, Dec. 31, 1883. 

United States bonds, . ... . . $606,590 00 

Deposited with trustees, .... 150,000 00 

Cash in the office of the company, . . 20,342 42 

Cash deposited in bank, .... 2,272 32 

Interest due and accrued, . . . . 30 79 

Premiums in course of collection (gross), . 21,470 10 
Office furniture, . . . $6,497 23 
Premiums more than 3 mos. due, 2,289 42 

Gross assets, ' 

Deduct special deposits in other States, .... 



Balance, 



,705 63 
199,790 00 

$600,915 63 



Liabilities. 

Losses claimed and reported, 
disputed or resisted, 

Total amount of losses, 

Less reinsurance, .... 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Gross liabilities, .... 
Deduct liabilities on special deposits, . 



$82,563 69 
10,730 67 

$93,294 36 
1,450 00 

$91,844 36 
299,954 85 

$391,799 21 
38,476 26 



353,322 95 



Surplus, 



$247,592 68 



Income. 
Cash received for fire premiums, 
Deduct reinsurance and return premiums, 
Net cash received for fire premiums, . 



$635,998 52 
108,288 17 



$527,710 35 



1*83.] FOREIGN FIRE INSURANCE COS. 



383 



Cash rec'd for marine and inland premiums, $21,188 61 
Deduct reinsurance and return premiums, . 5,957 17 

Net cash rec'd for marine and inl'd prem's, 

Interest and dividends received from all sources, 

Gross cash income, 



$15,231 44 
47,573 69 

$590,515 48 



,594 56 
3,202 07 



Expenditures. 

Cash paid for fire losses, .... $386,443 33 

Deduct salvage and reinsurance, . . 16,309 74 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, . . . 

Gross cash expenditures, .... 



$370,133 59 



15,392 49 

108,283 20 

24,576 45 

9,389 03 

65,995 13 

$593,769 89 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 

Total, . . . . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 

Marine risks outstanding Dec. 31,, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



K5,641,004 00 
46,865,903 00 



,506,907 00 
47,684,284 00 



$44,822,623 00 
2,677,480 00 



Premiums. 

$576,404 00 
632,138 41 

1,208,542 41 
603,231 27 



$605,311 14 
22,159 23 



$42,145,143 00 $583,151 91 



$305,885 00 
982,733 00 

$1,288,618 00 
1,034,502 00 



$254,116 00 
84,280 00 



$11,065 76 

21,270 52 

$32,336 28 

21,471 81 



,864 47 
618 02 



$169,836 00 10,246 45 



Miscellaneous. 

Fire losses incurred during the year, . 

Marine and inland losses incurred during the year, 



$375,174 90 
15,467 49 



384 UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE BRITISH AND FOREIGN 
MARINE INSURANCE COMPANY (LIMITED), LIVERPOOL, 
ENGLAND. 

Endicott & Macomber, Attorneys. 

Office, 56 State Street, Boston. 

Summary of Assets, Dec. 31, 1883. 

United States bonds, 

Cash in the office and in bank, . 
Premiums in course of collection (gross), . 
Notes taken for marine and inland risks, . 

Reinsurance due, 

Premiums more than 3 mos. due, $2,506 61 

Gross assets, . . . 
Deduct special deposits in other States, 



Balance, 

Liabilities. 

Losses claimed and reported, 

Less reinsurance, 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, . 

Unused balances of premium notes, . 

Due and accrued for rent, salaries, etc. 

State and local taxes, . 

Commissions and brokerage, 

Return premiums, . 



$610,875 00 




87,672 66 




109,663 70 




18,397 44 




461 87 


'» 




$827,070 67 




. 


304,875 00 




$522,195 67 


$13,664 85 




9,532 00 




$34,132 85 




259,317 01 




9,556 51 




2,871 21 




866 96 




6,286 62 




4 52 





Gross liabilities, $313,035 68 

Deduct liabilities on special deposits, . . 80,745 06 



232,290 62 



Surplus, $289,905 05 

Income. 

Cash rec'd for marine and inland prem's, . $1,055,496 99 
Deduct reinsurance and return premiums, . 304,781 64 

Net cash rec'd for marine and inl'd prem's, $750,715 35 

Interest received from all sources, 17,872 57 

Premiums deposited in advance of declarations, . . 41,322 26 

Income from all other sources, 4,200 23 

Received from home office, $104,893 23 



Gross cash income, ..... . $814,110 41 



1883.] FOREIGN FIRE INSURANCE COS. 



385 



Expenditures. 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, - 

Cash paid for commissions and brokerage, . 

for salaries of officers and employees, 
for State and local taxes, . 

Cash remitted to home office, $561,960 60 

Gross cash expenditures, , 

Risks and Premiums. 



$237,945 16 
64,019 14 



Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$15,522,372 00 

117,162,749 00 

$132,685,121 00 

111,677,791 00 



$21,007,330 00 
1,775,541 00 



$173,926 02 

46,251 91 

25,582 83 

8,412 66 

$254,173 42 



Premiums. 

$169,404 24 

1,069,977 76 

11,239,382 00 
941,570 59 

$297,811 41 
38,494 40 



$19,231,789 00 $259,317 01 



UNITED STATES BRANCH OF THE CITY OF LONDON FIRE 
INSURANCE CO. (LIMITED), LIVERPOOL, ENGLAND. 

John C. Paige, Besident Manager. 

Office, No. 20 Kilby Street, Boston. 

Summary of Assets, Dec. 31, 1883. 



United States bonds, .... 

Cash in the hands of trustees, 

Cash deposited in bank, 

Premiums in course of collection (gross), 

Reinsurance due, 

Gross assets, v 
Deduct special deposits in other States, 



Balance, 



Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, 
Less reinsurance, . 

Net amount of unpaid losses, 



$689,325 00 

553 37 

4,792 27 

74,193 Q6 

282 98 



$47,929 53 

39,813 43 

2,600 00 



,342 96 
16,156 85 

$74,186 11 



$769,147 28 
146,662 50 

$622,484 78 



386 UNITED STATES BRANCHES OF [Dec. 31, 

Unearned premiums on outstanding risks, . $285,990 47 
Commissions and brokerage, . . . 2,972 92 

Due for reinsurance, 4,384 94 



Gross liabilities, . . . ' . . $367,534 44 
Deduct liabilities on special deposits, . . 17,135 55 



$350,398 89 



Surplus, . , . $272,085 89 

Income. 

Cash received for fire premiums, . . $753,135 23 

Deduct reinsurance and return premiums, . 216,330 06 

Net cash received for fire premiums, . . $536,805 17 

Interest and dividends received from all other sources, . 17,197 02 

Income from home office by Texas dep^, . $18,163 82 



Gross cash income, $554,002 19 

Expenditures. 

Cash paid for fire losses, .... $408,481 41 
Deduct salvage and reinsurance, . . 49,843 41 

Net cash paid for fire losses, . . . • $358,638 00 

Cash paid for commissions and brokerage, . . . 150,234 39 
for salaries of officers and employees, . . 31,172 42 

for State and local taxes, 19.205 60 

for incidentals, 4,001 28 

Cash remitted to home office, . . . $31,973 59 



Gross cash expenditures, $563,251 69 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



Premiums. 
$35,109,402 00 $448,816 59 
61,057,694 00 761,220 75 



,167,096 00 $1,210,037 34 
49,159,062 00 ' 581,916 41 



$47,008,034 00 $628,120 93 
5,688,118 00 85,448 82 



Net amount in force, . . . .$41,319,916 00 $542,672 11 

Miscellaneous. 
Fire losses incurred during the year, $386,503 74 



1883.] FOREIGN FIRE INSURANCE COS. 



387 



UNITED STATES BRANCH OF THE COMMERCIAL UNION 
ASSURANCE COMPANY, LONDON, ENGLAND. 

Alfred Pell, Resident Manager. 

Office, No. 37 Wall Street, New York. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, $915,000 00 $1,095,450 00 

Chicago and North Western R.R. bonds, . 150,000 00 169,000 00 

Chicago, Burl, and Quincy R.R. bonds, . 100,000 00 106,000 00 

Chicago, Rock I. and Pacific R.R. bonds, . 60,000 00 77,400 00 

Illinois Central Railroad certificates, . . 100,000 00 81,750 00 



$1,325,000 00 $1,529,600 00 



Summary of Assets, Dec. 31, 1883. 



Cash value of unencumbered real estate, 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, 

Reinsurance due, 

Gross assets, . 
Deduct special deposits in other States, 



$184,696 96 

1,529,600 00 

622 55 

293,273 89 

13,735 40 

296,786 06 

3,560 24 

879 00 

4,481 94 



Balance, 



$2,327,636 04 
270,250 00 

$2,057,386 04 



Liabilities. 

Losses claimed and reported, . . . $161,663 49 

disputed or resisted, . . . 27,246 62 

Unearned premiums on outstanding risks, . 1,110,683 48 

Commissions and brokerage, . . . 37,540 65 

Gross liabilities, $1,337,134 24 

Deduct liabilities on special deposits, . . 81,120 28 



1,256,013 96 



Surplus, 



$801,372 08 



Income. 

Cash received for fire premiums, 

Deduct reinsurance and return premiums, . 

Net cash received for fire premiums, . 



1,079,313 76 
460,828 47 



$1,618,485 29 



388 



UNITED STATES BRANCHES OF [Dec. 31, 



Net cash received for marine and inland premiums, . 
Interest and dividends received from all sources, 
Income from rents, 

Gross cash income, 



$2,461 55 

60,913 87 

4,073 84 



$1,685,934 55 



>,261 16 
46 00 



Expenditures. 

Cash paid for fire losses, .... $1,102,407 33 

Deduct salvage and reinsurance, . . 127,573 00 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 

Marine risks written during 1883, 
Deduct risks expired and terminated 

In force at end of year, 



$237,325,990 00 

174,239,545 00 

$411,565,535 00 

155,881,855 00 

$255,683,680 00 

24,030,588 00 



$974,834 33 



5,215 16 

265,735 00 

105,061 69 

36,173 42 

114,100 48 

.,501,120 08 



Premiums. 

>2,238,549 84 

2,107,391 91 

^4,345,941 75 

1,967,105 21 

52,378,836 54 

211,743 24 



$231,653,092 00 $2,167,093 30 



1,212,780 00 
1,202,780 00 

$ 10,000 00 



Miscellaneous. 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, . 



2,461 55 
2,381 55 

$80 00 



$971,770 99 
5,215 16 



1883.] FOREIGN FIRE INSURANCE COS. 



389 



UNITED STATES BRANCH OF THE FIRE INSURANCE 
ASSOCIATION (LIMITED), LONDON, ENGLAND. 

Joseph H. Wellman, Attorney for the United States. 

Office, No. 50 William Street, New York. 

Summary of Assets, Dec. 31, 1883. 



United States bonds, . 

Georgia State bonds, .... 

Cash in the office of the company, 

Cash deposited in bank, 

Premiums in course of collection (gross), 

Reinsurance due, 

Gross assets, .... 

Deduct special deposits in other States, 



$533,374 50 

26,974 00 

5,877 03 

345,265 02 

74,905 46 

1,011 94 



Balance, 



$987,407 95 
249,973 50 

$737,434 45 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, . 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Reclaimable on perpetual fire policies, 

Due and accrued for rent, salaries, etc., 

State and local taxes, .... 

Commissions and brokerage, 

Return premiums, .... 

Gross liabilities, .... 
Deduct liabilities on special deposits, . 



Surplus, 



$42,446 51 

66,219 06 

3,820 50 

5112,486 07 
13,788 44 



5,697 63 
432,339 29 
1,007 00 
3,331 64 
567 66 
6,482 95 
5,109 10 

$547,535 27 
39,228 97 



Income. 

Cash received for fire premiums, . . $930,272 88 
Deduct reinsurance and return premiums, . 202,518 59 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, 



508,306 30 



$229,128 15 



$727,754 29 
23,143 86 



Gross cash income, $750,898 15 



390 UNITED STATES BRANCHES OF [Dec. 31, 

Expenditures. 

Cash paid for fire losses, .... $553,773 10 
Deduct salvage and reinsurance, . . 48,785 22 

Net cash paid for fire losses, . . . $504,987 88 

Cash paid for commissions and brokerage, . . . 120,954 20 

for salaries of ofiicers and employees, . . 60,646 33 

State and local taxes, 18,339 34 

for incidentals, . . . . . . . 55,670 96 



Gross cash expenditures, . $760,598 71 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1882, . . $60,272,408 00 $784,874 29 
written during 1883, . . . 79,309,884 00 944,559 94 



Total, $139,582,292 00 $1,729,434 23 

Deduct risks expired and terminated, . 74,338,862 00 854,839 07 



In force at end of year, . . . . $65,243,430 00 $874,595 16 
Deduct amount reinsured, .... 2,923,687 00 41,623 65 



Net amount in force, .... $62,319,743 00 $832,971 51 

Miscellaneous. 
Fire losses incurred during the year, ..... $511,557 02 



UNITED STATES BRANCH OF THE GUARDIAN FIRE AND 
LIFE ASSURANCE COMPANY, LONDON, ENGLAND. 

H. E. Bowers, Manager. 

Office, No. 54 William Street, New York. 

Summary of Assets, Dec. 31, 1883. 



United States bonds, .... 
Cash deposited in bank, 
Interest due and accrued, ... 
Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, 



$990,000 00 

200,445 72 

8,000 00 

57,804 35 



[,256,250 07 
216,562 50 



Balance, . . $1,039,687 57 



1883.] FOREIGN FIRE INSURANCE COS, 391 



Liabilities. 

Amount of unpaid losses, .... $62,214 56 

Unearned premiums on outstanding risks, . 401,212 31 

Commissions and brokerage, . . 10,221 86 

Return premiums, 311 84 

Gross liabilities, $473,960 57 

Deduct liabilities on special deposits, . . 41,561 59 



$432,398 98 



Surplus, 



$607,288 59 



Income. 

Cash received for fire premiums, . . $836,479 41 
Deduct reinsurance and return premiums, . 150,966 52 

Net cash received for fire premiums, . . f 685,512 89 

Interest and dividends received from all sources, . -. 16,141 73 

Gross cash income, $701,654 62 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash paid for commissions and brokerage, 



$311,751 30 
3,164 28 



for salaries of officers and employees, 
for State and local taxes, . 
for incidentals, . . 

Gross cash expenditures, .... 



$308,587 02 

118,400 91 

57,910 19 

15,445 71 

38,196 80 



$538,540 63 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 



Risks and Premiums. 

Premiums. 

.$60,560,482 00 $595,511 82 
. 94,720,449 00 832,700 29 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$155,280,931 00 $1,428,212 11 
. 68,646,550 00 661,857 50 



. $86,634,381 00 $766,354 61 
744,699 00 4,671 35 



$85,889,682 00 $761,683 26 



Miscellaneous. 
Fire losses incurred during the year, . 



. $336,201 94 



392 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE HAMBURG-BREMEN 
FIRE INSURANCE COMPANY, HAMBURG, GERMANY. 

Sophus V. Dojrrien, Resident Manager. 

Office, 178 Broadway, New York. 



Detailed Statement of Stocks, Bonds, etc. 



Par value. 

United States bonds $547,000 00 

Chic., Milwaukee and St. Paul R.R. bonds, . 15,000 00 

Chicago and North-Western R.R. bonds, . 25,000 00 

Chicago, Burlington & Quincy R.R. bonds, 20,000 00 

N. Y., Lake Erie and Western R.R. bonds, . 25,000 00 

St. Paul, Minneap. & Manitoba R.R. bonds, 21,000 00 

Central Pacific Railroad bonds, . . . 20,000 00 

Kansas Pacific Railroad bonds, . . . 20,000 00 

Union Pacific Railroad bonds, . . . 20,000 00 



Market value. 

$617,163 75 
19,650 00 
32,750 00 
25,800 00 
31,750 00 
22,785 00 
22,600 00 
21,400 00 
22,850 00 



$713,000 00 $846,748 75 



Securities held as collateral for cash loans : — 
Northern Pacific Railroad bonds, 



Market value. Loaned thereon. 

$72,277 50 $60,000 00 



Summary of Assets, Dec. 31, 1883. 

$23,000 00 



Loans on mort'ge of real estate (first liens*) , 

Bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash deposited in bank, 

Premiums in course of collection (net), 

Notes taken for fire risks, . 

Gross assets, 

Deduct special deposits in other States, 



846,748 75 

60,000 00 

29,266 36 

32,090 02 

1,619 11 



Balance, 



$992,724 24 
228,518 75 

$764,205 49 



Liabilities. 



Total amount of losses unpaid, . 
Less reinsurance, .... 

Net amount of unpaid losses, 



$50,865 00 
1,300 00 

$49,565 00 



* Value of lands mortgaged, .... $30,000 00 
Value of buildings thereon, .... 50,000 00 
Amount of insurance held as collateral, . 20,000 00 



1883.] FOREIGN FIRE INSURANCE COS. 

Unearned premiums on outstanding risks, . $441,140 82 



393 



Gross liabilities, . 
Deduct liabilities on special deposits, 



Surplus, 



$490,705 82 
58,933 06 



$431,772 76 



$332,432 73 



Income. 



Cash received for fire premiums, 
Deduct reinsurance and return premiums, . 
Net cash received for fire premiums, . 
Interest received on bonds and mortgages, 



$881,994 92 
120,308 20 



$761,686 72 

1,150 00 
Interest and dividends received from all other sources, . 35,483 07 



Gross cash income, 



. $798,319 79 



Expenditures. 

Cash paid for fire losses, . . . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$514,226 34 

149,330 70 

40,039 65 

15,306 81 

35,089 33 

$753,992 83 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

. $57,860,404 00 $689,849 66 
. 79,955,996 00 886,396 30 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$137,816,400 00 $1,576,245 96 
. 70,247,873 00 729,876 64 



.$67,568,527 00 $846,369 32 
732,476 00 8,468 83 



,836,051 00 $837,900 49 



Miscellaneous. 
Fire losses incurred during the year, . 



. $513,538 34 



394 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE IMPERIAL FIRE 
INSURANCE COMPANY, LONDON, ENGLAND. 

Richard D. Alliger, Resident Manager. 

Office, No. 33 Pine Street, New York. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Tennessee State bonds, 
Virginia State bonds, . 
West Virginia State bonds, . 
Certificate of Deposit Union Trust Co 



Par value. 
$734,300 00 
20,000 00 
71,600 00 
28,666 66 
31,226 94 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $250,000 00 

Bonds, etc., as per schedule, . . . 970,147 75 

Cash in the office of the company, . . 307 77 

Cash deposited in bank, .... 26,244 09 

Interest due and accrued, .... 395 30 

Premiums in course of collection (gross), . 102,017 96 

Rents due and accrued, .... 3,791 67 
Premiums more than 3 mos. due, $1,595 96 

Gross assets, 

Deduct special deposits in other States, .... 



Market value. 

5,114 13 
7,600 00 

25,060 00 
1,146 68 

31,226 94 



$885,793 60 $970,147 75 



Balance, 



:,352,904 54 
315,881 25 

[,037,023 29 



Liabilities. 

Losses adjusted unpaid, 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, . 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Commissions and brokerage, . 

Gross liabilities, .... 
Deduct liabilities on special deposits, . 



$12,523 21 

48,662 25 

21,715 15 

$82,900 61 

125 00 

$82,775 61 

628,433 05 

16,376 46 

$727,585 12 

102,082 58 



625,502 54 



Surplus, 



$411,520 75 



1883.] FOREIGN FIRE INSURANCE COS. 



395 



Income. 

Cash received for fire premiums, . . $1,328,314 79 

Deduct reinsurance and return premiums, . 208,966 80 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, 
Income from rents, 



Gross cash income, 



1,119,347 99 
28,294 71 
22,600 00 

. $1,170,242 70 



Expenditures. 

Cash paid for fire losses, .... $700,767 51 
Deduct salvage and reinsurance, . . 20,998 63 

Net cash paid for fire losses, . . . $679,768 88 

Cash paid for commissions and brokerage, . . . 175,748 15 

for salaries of officers and employees, . . 104,93101 

for State and local taxes, 35,691 16 

for incidentals, 11,109 51 

Gross cash expenditures, $1,007,248 71 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

. $66,781,959 00 $781,939 54 
.108,908,521 00 1,311,553 82 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$175,690,480 00 $2,093,493 36 
. 78,214,437 00 892,550 55 



. $97,476,043 00 $1,200,942 81 
. 1,251,598 00 16,604 87 



.$96,224,445 00 $1,184,337 94 



Miscellaneous. 
Fire losses incurred during the year, , 



. $690,341 50 



396 



UNITED STATES BRANCHES OF [Dec. 31. 



UNITED STATES BRANCH OF THE LANCASHIRE INSURANCE 
COMPANY, MANCHESTER, ENGLAND. 

Henry Robertson, Resident Manager. 

Office, No. 40 Pine Street, New York. 

Summary of Assets, Dec. 31, 1883. 

United States bonds, $909,227 50 

Premiums in course of collection (net), . 58,500 73 

Gross assets, *$967,728 23 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, . 
Unearned premiums on outstanding risks, 
State and local taxes, .... 
Commissions and brokerage, 

Gross liabilities, . 
Deduct liabilities on special deposits, . 



$12,969 53 

67,381 68 

37,330 12 

654,636 74 

8,500 00 

3,000 00 

$813,818 07 
64,200 00 



749,618 07 



Surplus, 



$218,110 16 



Income. 

Cash received for fire premiums, . . $1,301,068 61 
Deduct reinsurance and return premiums, . 209,612 98 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, 

Gross cash income, . . . 



,091,455 63 

59,860 57 



. $1,151,316 20 



Expenditures. 

Cash paid for fire losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 

Gross cash expenditures, .... 



$766,483 41 

167,448 32 

153,288 17 

28,152 38 



,115,372 28 



* In addition to this amount the company reports $487,586.39 in other assets in this 
country, but not in the hands of trustees or on deposit with any State department where 
it is available for payment of losses to citizens of this State, and therefore not recognized 
as a credit under the laws of Massachusetts. 



1883.] FOREIGN FIRE INSURANCE COS. 



397 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

$113,630,529 00 $1,254,035 34 
. 127,955,734 00 1,307,235 61 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$241,586,263 00 $2,561,270 95 
.119,604,595 00 1,246,347 17 



$121,981,668 00 $1,314,923 78 
. 2,728,396 00 25,264 60 



$119,253,272 00 $1,289,659 18 



Miscellaneous. 
Fire losses incurred during the year, . 



. $796,573 



UNITED STATES BRANCH OF THE LION FIRE INSURANCE 
COMPANY, LONDON, ENGLAND. 

M. Bennett, Jr., Manager. 

Office, No. 64 Pearl Street, Hartford, Conn. 



Detailed Statement of Stocks, Bonds, etc. 
United States bonds, .... 



Par value. 
$400,000 00 



Securities held as collateral for cash loans 



Adams Express Co.'s stock, 

Wells, Fargo & Co.'s stock, 

Travelers' Insurance Co.'s stock, 

American Express Co.'s stock, . 

iEtna Insurance Co.'s stock, 

Wabash, St. Louis and Pacific R.R. stock, 

United States Express Co.'s stock, 

Connecticut Fire Insurance Co.'s stock, 

Chicago, Burl, and Quincy R R. bonds, 

Cleveland, Col., C. & I. R.R. Co.'s stock, 

Beloit and Madison R.R. bonds, . 

Pacific Mail Steamship Co.'s stock, 

Ninth Nat'l Bank of New York stock, 

Collins Company stock, 

Chicago and Alton R.R. stock, . 

Chicago and Alton R.R. stock, . 

N. Y , New Haven and Hartford R.R. stock, 

Hartford Fire Insurance Co.'s stock, . 



Market value. 

$196,000 00 



Market value. 

$10,160 00 

5,750 00 

580 00 

450 00 

1,760 00 

1,800 00 

6,270 00 

3,120 00 

8,850 00 

6,400 00 

2,200 00 

4,000 00 

6,250 00 

358 00 

6,600 00 

6,600 00 

2,450 00 

26,950 00 



Loaned thereon. 



\ $10,000 00 



4,500 00 

4,500 00 

800 00 

15,000 00 



398 



UNITED STATES BRANCHES OF [Dec. 31, 



Willimantic Linen Co.'s stock, , . 
Chicago, Burl, and Quincy R.R. stock, 
Chicago City Railway stock, 
Russell & Erwin Manufacturing Co.'s stock 
Collins Company stock, 
Willimantic Linen Co.'s stock, . 
Phoenix Fire Insurance Co.'s stock, 
Chicago and Alton R.R. stock, . 
New York and Harlem R.R. stock, 
Meriden Britannia Co.'s stock, . 
iEtna Insurance Co.'s stock, 
Hartford Fire Insurance Co.'s stock, . 
Willimantic Linen Co.'s stock, . 
Mortgage bonds, Davis County, Kansas, 
Mortgage bonds, Butler County, Kansas, 
Mortgage bonds, Lyon County, Kansas, 



Market value. 

$350 00 
2,280 00 
5,100 00 
3,600 00 
2,240 00 
3,828 00 
1,640 00 
1,320 00 
,5,700 00 
20,000 00 
1,760 00 
1,375 00 
9,450 00 
500 00 
1,200 00 
1,500 00 



Loaned thereon. 

$300' 00 

1 
i 

'} 9,000 00 
i 

J 

\ 4,500 00 

\ 2,500 00 

10,000 00 

| 2,000 00 

7,000 00 

i 1,600 00 



$162,391 00 $101,700 00 



Summary of Assets, Dec. 31, 1883. 



Loans on mortg'e of real estate (first liens*), 
Bonds, as per schedule, .... 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . ... 
Premiums in course of collection (gross), 

Reinsurance due, 

Gross assets, 

Deduct special deposits in other States, 



$63,250 00 

496,000 00 

101,700 00 

205 34 

57,502 28 

57,486 56 

27,060 77 



$803,204 95 
248,000 00 



Balance, 



$555,204 95 



Liabilities. 

Losses adjusted, unpaid, .... $8,450 00 

claimed and reported, . . . 29,350 00 

Unearned premiums on outstanding risks, . 190,212 15 

Commissions and brokerage, . . . 5,902 40 

Gross liabilities, $233,914 55 

Deduct liabilities on special deposits, . 54,494 53 



Surplus, 



179,420 02 



$375,784 93 



* Value of lands mortgaged $50,000 00 

Value of buildings thereon 80,000 00 

Amount of insurance held as collateral, . . 77,000 00 



1883.] FOREIGN FIRE INSURANCE COS. 



399 



Income. 

Cash received for fire premiums, . . $673,103 06 
Deduct reinsurance and return premiums, . 284,888 60 

Net cash received for fire premiums, . . $388,214 46 

Interest received on bonds and mortgages, . . . 3,028 34 

Interest and dividends received from all other sources, . 21,869 04 



Gross cash income, $413,111 84 



Expenditures. 

Cash paid for fire losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Remitted to home office, , $12,577 77 

Gross cash expenditures, . . . 



$234,677 97 
57,995 28 
40,422 24 
10,114 16 
22,402 89 



$365,612 54 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

. $34,637,882 00 $348,347 46 
. 56,323,406 00 660,566 26 



Total, ..... 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



),961,288 00 $1,008,913 72 
. 53,526,485 00 507,012 54 



.$37,434,803 00 $501,901 18 
. 8,868,329 00 128,031 12 



. $28,566,474 00 $373,870 06 



Miscellaneous. 
Fire losses incurred during the year, . 



. $247,816 51 



400 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE LIVERPOOL AND LONDON 
AND GLOBE INSURANCE COMPANY, LIVERPOOL, ENG. 

James E. Pulsford, Resident Manager. 

Office, No. 45 William Street, New York. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $1,410,000 00 $1,742,380 00 



New York state bonds, 
New York city bonds, . 
Richmond city bonds, . 
Boston city bonds, 
Mississippi pay warrants, 



45,000 00 

50,000 00 

5,000 00 

193,000 00 

20,000 00 



52,650 00 

60,500 00 

6,725 00 

223,150 00 

20,000 00 



$1,723,000 00 $2,105,405 00 



Summary of Assets, Dec. 31, 1883. 

Cash value of unencumbered real estate, . $1,145,000 00 

Loans on mort'ge of real estate (first liens), 1,395,493 24 

Interest due or accrued thereon, . . ; 29,621 43 

Stocks, bonds, etc., as per schedule, . . 2,105,405 00 

Cash deposited in bank, .... 676,569 34 

Interest due and accrued, .... 1,462 78 

Premiums in course of collection (gross), . 395,067 99 

Rents due and accrued, .... 2,008 72 

Loans on life policies, 19,925 00 

Miscellaneous, 1,406 21 

Premiums more than 3 mos. due, $6,368 52 

Gross assets, ...... 

Deduct special deposits in other states, . 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, 
Less reinsurance, . . , 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Life and annuity reserve fund, . 



$14,645 62 

320,001 41 

52,339 10 

$386,986 13 
60,080 53 

$326,905 60 

2,357,701 73 

318,201 99 

102,708 26 



>,771,959 71 
308,675 00 



i,463,284 71 



1883.] FOREIGN FIRE INSURANCE COS. 401 



Commissions and brokerage, . . . $54,633 49 
Due for reinsurance, 35,297 36 



Gross liabilities, $3,195,448 43 

Deduct liabilities on special deposits, . 223,257 19 



52,972,191 24 



Surplus, $2,491,093 47 

Income. 

Cash received for fire premiums, . . $4,288,061 27 
Deduct reinsurance and return premiums, . 885,042 14 

Net cash received for fire premiums, . . $3,403,019 13 

Interest received on bonds and mortgages, . . . 60,863 64 
Interest and dividends received from all other sources, . 91,610 60 

Income from rents, 50,347 61 

Deposits received for perpetual fire risks, . $30,353 67 



Gross cash income, $3,605,840 98 

Expenditures. 

Cash paid for fire losses, .... $2,259,734 81 
Deduct salvage and reinsurance, . . 230,218 63 

Net cash paid for fire losses, . . . $2,029,516 18 

Cash paid for commissions and brokerage, . . . 585,078 29 

for salaries of officers and employees, . . 167,322 36 

for State and local taxes, 57,000 61 

for incidentals, . 184,359 29 

Deposits returned on perpetual fire risks, . $24,571 49 



Gross cash expenditures, $3,023,276 73 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, , 

Total, ..... 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 
Perpetual risks (included above) , 



Premiums. 

$471,823,052 00 $4,183,300 76 
528,439,136 00 4,360,753 77 



$1,000,262,188 00 $8,544,054 53 
456,440,678 00 3,625,152 28 



$543,821,510 00 $4,918,902 25 
45,446,402 00 363,874 12 



$498,375,108 00 $4,555,028 13 
$10,913,656 00 $40,069 58 



Miscellaneous. 
Fire losses incurred during the year, ...... $1,998,987 75 



402 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE LONDON ASSURANCE 
CORPORATION, LONDON, ENGLAND. 

B. Lockwood, Resident Manager. 
Office, No. 88 Wall Street, New York. 

Summary of Assets, Dec. 31, 1883. 



United States bonds, .... 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (gross) , 

Gross assets, 

Deduct special deposits in other States, 



$1,334,100 00 

607 77 

24,034 48 

4,237 50 

53,808 62 



Balance, 



il, 416,788 37 
269,662 50 

11,147,125 87 



Liabilities. 

Amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, 
Reinsurance, etc., .... 

Gross liabilities, .... 
Deduct liabilities on special deposits, . 



Surplus, 



$88,000 00 

582,309 51 

1,104 39 

733 98 

$672,147 88 

94,432 72 



577,715 16 



$569,410 71 



Income. 
Cash received for fire premiums, . . $1,011,392 64 
Deduct reinsurance and return premiums, . 220,495 55 

Net cash received for fire premiums, . . $790,897 09 

Interest and dividends received from all sources, . . 52,275 00 

Gross cash income, $ 843,172 09 

Expenditures. 

Cash paid for fire losses, ' . . $616,967 58 

Cash paid for commissions and brokerage, . . . 148,009 63 

for salaries of officers and employees, . . 36,284 27 

for State and local taxes, 29,109 97 

for incidentals, 58,281 29 

Cash remitted to home office, $15,563 51 



Gross cash expenditures, 



,652 74 



1883.] FOREIGN FIRE INSURANCE COS. 403 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1882, . $112,829,136 00 $1,144,271 70 
written during 1883, . . . 110,194,468 00 1,027,313 20 



Total, $223,023,604 00 $2,171,584 90 

Deduct risks expired and terminated, .105,631,375 00 1,013,364 43 



, In force at end of year, . . . $117,392,229 00 $1,158,220 47 
Deduct amount reinsured, .... 8,134,380 00 29,874 99 



Net amount in force, . . . $109,257,849 00 $1,128,345 48 



UNITED STATES BRANCH OF THE LONDON AND LANCA- 
SHIRE FIRE INSURANCE COMPANY, LIVERPOOL, ENG. 

Foster & Scull, Managers of the New England Branch. 

Office, No. 53 Devonshire Street, Boston. 

Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . . . 
Chicago and North-Western R.R. bonds, 
New York Central and H. R. R.R. bonds, 
New York and Harlem Railroad bonds, 
Chic, Burlington and Quincy R.R. bonds, 
Delaware and Hudson River R.R. bonds, 
Chic , Rock Island and Pacific R.R. bonds, 
Lake Shore and Mich. Southern R.R. b'ds, 



Par value. Market value. 

$570,000 00 $674,700 00 

75,000 00 93,375 00 

75,000 00 97,500 00 

100,000 00 130,000 00 

100,000 00 90,250 00 

75,000 00 84,150 00 

15,000 00 18,900 00 

30,000 00 38,550 00 



$1,040,000 00 $1,227,425 00 



Summary of Assets, Dec. 31, 1883. 

Bonds, as per schedule, .... $1,227,425 00 

Cash in the office of the company, . . 9,951 20 

Cash deposited in bank, .... 48,221 88 

Interest due and accrued, .... 8,540 94 

Premiums in course of collection (gross), . 104,407 86 
Premiums more than 3 mos. due, $1,389 58 

Gross assets, $1,398,546 88 

Deduct special deposits in other States, .... 289,250 00 

Balance, $1,109,296 88 



404 



UNITED STATES BRANCHES OF [Dec. 31 , 



Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 

Total amount of losses, 

Less reinsurance, .... 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Due and accrued for rent, salaries, etc., 
State and local taxes, .... 
Commissions and brokerage, 
Return premiums, .... 
Reinsurance, 

Gross liabilities, .... 
Deduct liabilities on special deposits, . 



$7,866 43 

102,493 08 

9,215 00 

$119,574 51 
500 00 

$119,074 51 

721,689 11 

180 00 

6,006 08 

5,304 54 

18,089 58 

994 12 

1,439 33 



$872,777 27 
96,151 92 



$776,625 35 



Surplus, 



$332,671 53 



Income. 

Cash received for fire premiums, . . $1,358,956 55 
Deduct reinsurance and return premiums, . 209,886 23 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, 
Deposits received for perpetual fire risks, . $180-00 

Gross cash income, 



,149,070 32 
38,056 87 



,187,127 19 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash paid for commissions and brokerage, 



$805,565 10 
25,424 64 



for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



,140 46 

212,961 45 

55,220 82 

26,511 64 

68,545 80 



Gross cash expenditures, 



$1,143,380 17 



1883.] FOREIGN FIRE INSURANCE COS. 



405 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$112,841,123 00 

. 152,718,852 00 

$265,559,975 00 

.125,895,819 00 

$139,664,156 00 

. 4,445,469 00 



Premiums. 

^1,092,478 12 
1,377,298 31 

>2,469,776 43 
1,043,255 67 

^1,426,520 76 
52,999 87 



$135,218,687 00 $1,373,520 89 



Miscellaneous. 
Fire losses incurred during the year, . 



$807,499 49 



UNITED STATES BRANCH OF THE LONDON AND PROVIN- 
CIAL FIRE INSURANCE COMPANY, LONDON, ENG. 

John C. Mills, Resident Manager. 

Office, S3 Pine Street New York. 



Summary of Assets, Dec. 31, 1883. 



United States bonds, .... 
Loan on Union Trust Co. cert., . 
Oash deposited in bank, 
Premiums in course of collection (gross) , 
Gross assets, 



$336,650 00 

129,656 20 

3,886 85 

40,455 52 



$510,648 57 



Liabilities. 

Losses adjusted unpaid, 

claimed and reported, 

Total amount of losses, 
Less reinsurance, . . 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Commissions and brokerage, 

Gross liabilities, 



$35,444 90 
32,294 54 



,739 44 
7,113 58 



),625 86 
228,156 74 
1,677 13 



290,459 73 



Surplus, 



$220,188 84 



406 UNITED STATES BRANCHES OF [Dec. 31, 

Income. 

Cash rec'd for fire premiums, . . . $554,006 04 
Deduct reinsurance and return premiums, . 125,738 24 

Net cash received for fire premiums, . . $428,267 80 

Interest and dividends received from all other sources, . 9,342 05 



Gross cash income, $437,609 85 



Expenditures. 

Cash paid for fire losses, .... $324,565 78 
Deduct salvage and reinsurance, . . 4,707 73 

Net cash paid for fire losses, . . . $319,858 05 

Cash paid for commissions and brokerage, . . . 53,197 56 

for salaries of officers and employees, . . 27,235 00 

for State and local taxes, 13,417 06 

for incidentals, 49,007 08 



Gross cash expenditures $462,714 75 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1882, . . $30,748,060 00 $345,103 60 
written during 1883, . . . 48,739,837 00 567,317 89 



Total, $79,487,897 00 $912,421 49' 

Deduct risks expired and terminated, . 40,271,064 00 467,219 72 



In force at end of year, . . .$39,216,833 00 $445,20177 

Deduct amount reinsured, .... 994,589 00 11,484 88 



Net amount in force, .... $38,222,244 00 $433,716 89 

Miscellaneous. 
Fire losses incurred during the year, $358,105 34 



1883.] FOREIGN FIRE INSURANCE COS. 



407 



UNITED STATES BRANCH OF THE NORTH BRITISH AND 
MERCANTILE INSURANCE COMPANY, LONDON AND EDIN- 
BURGH, G. B. 

Charles E. White and Samuel P. Blagden, Managers. 

Office, No. 54 William Street, New York. 



Detailed Statement of Bonds, etc. 



United States bonds, . . . . 

N. Y. Central and Hudson River R.R. bonds, 

New York county bonds, 

New York city bonds, . . , 

South Carolina state bonds, 

Alabama state bonds, . 

Tennessee state bonds, 

Virginia state bonds, . 

Virginia deferred certificates, 



Par value. 

$1,793,000 00 
500,000 00 
31,000 00 
18,000 00 
12,500 00 
10,000 00 
25,124 80 
46,300 00 
18,666 67 



Market value. 

^2,148,388 75 

650,000 00 

41,400 00 

23,870 00 

13,125 00 

8,337 50 

10,474 88 

20,835 00 

1,680 00 



»2,454,591 47 $2,918,111 13 



Summary of Assets, Dec. 31, 1883. 



Bonds, etc., as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, 
Cash deposited with trustees, 
Interest due and accrued, . 
Premiums in course of collection (net), 

Salvage, 

Gross assets, 

Deduct special deposits in other States, 



,918,111 13 

410 46 

143,819 77 

50,000 00 

33,494 45 

118,301 00 

289 45 



Balance, 



$3,264,426 26 
294,028 75 

$2,970,397 51 



Liabilities. 

Losses adjusted, unpaid, .... $43,899 70 

claimed and reported, . . . 89,217 26 

disputed or resisted, . . . 31,225 92 

Unearned premiums on outstanding risks, . 1,220,996 07 

Gross liabilities, $1,385,338 95 

Deduct liabilities on special deposits, . . 142,418 00 



1,242,920 95 



Surplus, 



,727,476 56 



408 



UNITED STATES BRANCHES OF [Dec. 31, 



Income. 

Cash received for fire premiums, . . $2,048,002 22 
Deduct reinsurance and return premiums, . 360,391 31 

Net cash received for fire premiums, . . $1,687,610 91 

Interest and dividends received from all sources, . . 107,050 13 



Gross cash income, 



,794,661 04 



Expenditures. 

Cash paid for fire losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



Gross cash expenditures, 



,194,284 65 

244,323 76 

119,794 68 

46,157 79 

125,985 66 

,730,546 54 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1882, . $234,960,350 00 $2,040,053 71 
written during 1883, . . 260,018,551 00 2,055,812 28 



Total, $494,978,907 00 $4,095,865 99 

Deduct risks expired and terminated, . 243,588,639 00 1,788,786 47 



In force at end of year, 



$251,390,268 00 $2,307,079 52 



Miscellaneous. 

Fire losses incurred during the year, . 



,210,098 17 



UNITED STATES BRANCH OF THE NORTHERN ASSUR- 
ANCE COMPANY, LONDON, ENGLAND. 

Henry H. Hall, Resident Manager. 

Office, 153 Broadway, New York. 

Detailed Statement of Stocks, Bonds, etc. 



United States bonds, . 
Massachusetts state bonds, 
Boston city bonds, 
St. Louis city bonds, 
Providence city bonds, 



Par value. Market value 

$687,150 00 $841,830 85 

85,360 00 93,896 00 

98,455 00 112,282 00 

38,800 00 42,874 00 

50,925 00 58,054 50 



,690 00 $1,148,937 35 



1883.] FOREIGN FIRE INSURANCE COS. 



409 



Summary of Assets, Dec. 31, 1883 

Bonds, as per schedule, 

Cash in the office of the company, 

deposited in bank, 
Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other states, 

Balance, 



,148,937 35 

1,605 90 

59,961 75 

85,921 96 



- 11,296,426 96 
290,733 00 

. $1,005,693 96 



Liabilities. 

Losses claimed and reported, 
disputed or resisted, . 

Total amount of losses, 

Less reinsurance, .... 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 

Gross liabilities, .... 
Deduct liabilities on special deposits, . 



$79,481 19 
15,938 39 

$95,419 58 
2,500 00 



,919 58 

389,363 04 

1,500 00 

14,256 05 

$498,038 67 
47,858 94 



450,179 73 



Surplus, 



$555,514 23 



Income. 

Cash received for fire premiums, . .' $ 784,*943 48 

Deduct reinsurance and return premiums, . 124,518 96 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, 



|660,424 52 
37,945 30 



Gross cash income, 



$698,369 82 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash paid for commissions and brokerage, . 



$453,361 49 
2,052 74 



for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$451,308 75 

100,884 19 

54,266 53 

19,014 84 

59,750 13 



Gross cash expenditures, 



$685,224 44 



410 



UNITED STATES BRANCHES OF [Dec. 31, 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

$56,686,089 00 $638,791 00 
75,964,397 00 811,404 96 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$132,650,486 00 $1,450,195 96 
65,484,992 00 702,392 35 



57,165,494 00 $747,803 61 
1,102,171 00 10,966 17 



$66,063,323 00 $736,837 44 



Miscellaneous. 
Fire losses incurred during the year, . 



$466,514 76 



UNITED STATES BRANCH OF THE NORTH GERMAN FIRE 
INSURANCE COMPANY, HAMBURG, GERMANY. 

J. Claussen, Resident Manager. 

Office, No. 202 Broadway, New York. 



Summary of Assets, Dec. 31, 1883. 



United States bonds, . 
Cash in office and in bank, 
Premiums in course of collection (net), 
Reinsurance due, . 
Gross assets, . 



Losses adjusted, unpaid, 

claimed and reported, 

Total amount of losses, 
Less reinsurance, . 

Net amount of unpaid losses, 
Unearned premiums on outsta 
Gross liabilities, . 

Surplus 



• 


$379,680 00 




. 


44,034 82 




ion (net), 


16,659 29 
1,163 68 


$441,537 79 


Liabilities. 




. • . 


$6,641 00 




• 


18,774 00 






$25,415 00 




• 


3,023 00 




• • • 


$22,392 00 




nding risks, . 


156,653 32 


179,045 32 






. . 


$262,492 47 



1883.] FOREIGN FIRE INSURANCE COS. 



411 



Income. 

Cash received for fire premiums, 
Deduct reinsurance and return premiums, 
Net cash received for fire premiums, . 
Interest received from all sources, 



$389,667 67 
89,812 46 



Gross cash income, 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, 
Cash paid for commissions and brokerage, 



$247,648 12 
41,103 28 



for salaries of. officers and employees, 

for State and local taxes, . 

for incidentals, 



Gross cash expenditures, . 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$20,858,567 00 
30,046,952 00 



,905,519 00 
24,727,638 00 



$26,177,881 00 
2,536,131 00 



$299,855 21 
11,030 62 

$310,885 85 



$206,544 84 

59,480 81 

16,066 46 

7,253 74 

18,071 78 

$307,417 65 



Premiums. 

$267,667 09 
388,554 05 



$656,221 14 
307,035 25 

$349,185 89 
41,360 47 



. $23,641,750 00 $307,825 42 



Miscellaneous. 
Fire losses incurred during the year, . 



$218,779 22 



UNITED STATES BRANCH OF THE NORWICH UNION FIRE 
INSURANCE SOCIETY, NORWICH, ENGLAND. 

J. Montgomery Hare, Resident Manager. 

Office, No. 67 Wall Street, New York. 

Summary of Assets, Dec 31, 1883. 



United States bonds, . 
New York city bonds, . • . 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, . 



$675,800 00 

202,738 75 

1,330 77 

220,031 20 

1,481 67 



412 



UNITED STATES BRANCHES OF [Dec. 31, 



Premiums in course of collection (net), 

Reinsurance due, 

Gross assets, 

Deduct special deposits in other States, 



$22,713 62 
975 60 



Balance, 

Total amount of losses, 
Less reinsurance, . 



Liabilities. 



Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Due and accrued for rent, salaries, etc., 

Gross liabilities, .... 
Deduct liabilities on special deposits, . 



$76,856 00 

4,787 91 

$72,068 09 

420,669 28 

1,000 00 

,737 37 

57,733 00 



Surplus, 



Income. 
Cash received for fire premiums, . . $885,521 35 
Deduct reinsurance and return premiums, . 169,960 84 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, 

Gross cash income, 

Expenditures. 
Cash paid for fire losses, 



Deduct salvage and reinsurance, 

Net cash paid for fire losses, — 

•Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for incidentals, ... 

Gross cash expenditures, .... 
Risks and Premiums 



$450,555 34 
40,537 36 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 



.$62,751,741 00 
. 98,095,723 00 

$160,847,464 00 
. 73,105,813 00 



,125,071 61 
257,920 00 



$867,151 61 



436,004 37 

$431,147 24 



$715,560 51 
34,211 64 

9,772 15 



,741,651 00 

6,708,614 00 



$410,017 98 

119,217 61 

60,145 90 

12,665 70 

54,008 39 

$656,055 58 



Premiums. 

$556,539 42 
890,479 02 

1,447,018 44 
600,016 55 

$847,001 89 
53,185 94 



Net amount in force, . 

Miscellaneous 
Fire losses incurred during the year, . 



$81,033,037 00 $793,815 95 



$404,942 00 



1883.] FOREIGN FIRE INSURANCE COS. 



413 



UNITED STATES BRANCH OF THE PHGENIX ASSURANCE 
COMPANY, LONDON, ENGLAND. 

Alexander D. Irving, Manager. 

Office, No. 67 Wall Street, New York. 



Summary of Assets, Dec. 31, 1883. 



United States bonds, .... 
Cash deposited in bank, 
Interest due and accrued, . . 
Premiums in course of collection (net), 

Gross assets, 

Deduct special deposits in other States, 



Balance, 



,292,017 50 

141,369 47 

8,280 00 

81,332 03 



$1,522,999 00 
253,687 50 

$1,269,311 50 



Liabilities. 

Losses adjusted, unpaid, .... $38,299 00 

claimed and reported, . . . 167,096 00 

disputed or resisted, . . . 2,000 00 

Total amount of losses, .... $207,395 00 

Less reinsurance, 27,127 00 

Net amount of unpaid losses, . . . $180,268 00 

Unearned premiums on outstanding risks, 792,055 81 

Gross liabilities, $972,323 81 

Deduct liabilities on special deposits, . . 78,097 46 



894,226 35 



Surplus, 



$375,085 15 



Income. 

Cash received for fire premiums, . . $1,510,294 70 
Deduct reinsurance and return premiums, . 309,863 36 

Net cash received for fire premiums, . . $1,200,431 34 

Interest and dividends received from all sources, . . 42,423 75 



Gross cash income, 



$1,242,855 09 



Expenditures. 

Cash paid for fire losses, . . . . $780,608 81 

Deduct salvage and reinsurance, . . 68,190 06 

Net cash paid for fire losses, . . . $712,418 75 



414 UNITED. STATES BRANCHES OF [Dec. 31, 

Cash paid for commissions and brokerage, . . . $179,431 58 

for salaries of officers and employees, . . 59,066 36 

for State and local taxes, 31,688 48 

for incidentals, 96,520 44 



Gross cash expenditures, $1,079,125 61 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1882, . $118,998,985 00 $1,116,044 65 
written during 1883, . . . 175,297,980 00 1,518,527 40 



Total, $294,296,965 00 $2,634,572 05 

Deduct risks expired and terminated, 127,223,950 00 1,070,793 86 



In force at end of year, . . . $167,073,015 00 $1,563,778 19 
Deduct amount reinsured, . . . 10,188,658 00 83,583 93 



Net amount in force, . . . $156,884,357 00 $1,480,194 26 

Miscellaneous. 

Fire losses incurred during the year, $780,440 75 



UNITED STATES BRANCH OF THE QUEEN INSURANCE 
COMPANY, LIVERPOOL, ENGLAND. 

James A. Macdonald, Manager. 

Office, No. 37 Wall Street, New York. 

Detailed Statement of Stocks, Bonds, etc. 

Far value. Market value. 

United States bonds, $856,300 00 $1,053,181 63 

N. Y , Lacka. and Western R. R. bonds, . 100,000 00 109,139 39 

Mississippi state bonds, .... 20,000 00 20,000 00 

Farmers' Loan and Trust Co. stock, . . 10,000 00 ' 40,000 00 



$986,300 00 $1,222,321 02 



Summary of Assets, Dec 31, 1883. 
Cash value of unencumbered real estate, . $354,260 30 



Stocks and bonds as per schedule, 
Cash in the office of the company, 
deposited in bank, 
deposited with trustees, 
Interest due and accrued, . 



1,222,321 02 

323 94 

39,247 03 

662 10 

3,733 33 



1883.] FOREIGN FIRE INSURANCE COS. 



415 



Premiums in course of collection (gross), 
Rents due and accrued, 

Reinsurance due, 

Gi'oss assets, ..... 
Deduct special deposits in other states, 

Balance, 



$99,847 19 
6,743 46 
1,764 49 



[,728,902 86 
317,300 00 

L,411,602 86 



Liabilities. 

Losses adjusted and reported, 
disputed or resisted, 

Total amount of losses, 

Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, 
Miscellaneous, -. . . 

Gross liabilities, . . . . 
Deduct liabilities on special deposits, . 



$120,250 77 
12,775 00 



$133,025 77 
5,703 15 

$127,322 62 

834,610 58 

2,882 72 

733 98 

$965,549 90 
120,676 86 



844,873 04 



Surplus, 



$566,729 82 



Income, 

Cash received for fire premiums, . . $1,641,790 95 

Deduct reinsurance and return premiums, . 416,089 61 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, 
Income from rents, 

Gross cash income, 



L,225,701 34 
44,335 77 
24,536 80 

.,294,573 91 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, . 

Net cash paid for fire losses, 

Cash paid for commissions and brokerage, . 



.,046,428 93 
125,281 55 



for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$921,147 38 

168,360 44 

75,654 80 

36,388 54 

77,338 14 



Gross cash expenditures, 



.,278,889 30 



416 



UNITED STATES BRANCHES OF [Dec. 31, 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

$135,511,125 00 11,473,947 90 
158,041,861 00 1,639,830 34 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$293,552,986 00 $3,113,778 24 
135,839,822 00 1,390,710 19 



$157,713,164 00 $1,723,068 05 
11,052,941 00 136,529 60 



$146,660,223 00 $1,586,538 45 



Miscellaneous. 
Fire losses incurred during the year, . 



,535 80 



UNITED STATES BRANCH OF THE ROYAL INSURANCE 
COMPANY, LIVERPOOL, ENGLAND. 

Scull and Bradley, Managers of New England Branch. 

Office No. 53 Devonshire Street, Boston. 



Summary of Assets, Dec. 31, 1883. 
Cash value of unencumbered real estate, . $1,115,649 42 

United States bonds, 2,331,873 75 

Cash in the office of the company, . . 6,713 25 

Cash deposited in bank, .... 443,495 69 
Interest due and accrued, . . ... 48,100 00 

Premiums in course of collection (gross), . 238,281 02 
Rents due and accrued, .... 250 00 

Premiums more than 3 mos. due, $14,126 31 

Gross assets, 

Deduct special deposits in other States, .... 



Balance, 



1,184,363 13 

306,087 50 

5,878,275 63 



Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, . 



$14,028 64 

223,246 70 

9,750 00 

$247,025 34 
48,303 52 



Net amount of unpaid losses, 



,721 82 



1883.] FOREIGN FIRE INSURANCE COS. 417 



Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Life and annuity reserve fund, . 
Due and accrued for rent, salaries, etc., 
State and local taxes, .... 
Commissions and brokerage, 

Return premium, 

Reinsurance premiums due, 

Gross liabilities, .... 
Deduct liabilities on special deposits, . 



$1,796,226 07 

60,784 91 

137,350 00 

774 54 

13,757 97 

46,514 57 

4,388 46 

35,885 21 

$2,294,403 55 
226,557 32 



Surplus, 

Income. 

Cash received for fire premiums, . . $3,052,472 07 

Deduct reinsurance and return premiums, . 582,406 09 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, 

Income from rents, 

Deposits received for perpetual fire risks, . $9,088 57 

Gross cash income, ....... 



},067,846 23- 



,810,429 40- 



$2,470,065 98 

107,743 90 

31,521 49- 



$2,609,331 37 



Expenditures. 

Cash paid for fire losses, .... $1,647,872 55 
Deduct salvage and reinsurance, . . 194,976 62 

Net cash paid for fire losses, . . . — 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Deposits returned on perpetual fire risks, . $2,213 00 

Gross cash expenditures, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1882, . 
written during 1883, . 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 
Perpetual risks (not included above), 



$319,177,188 00 
. 369,691,200 00 

$688,868,388 00 
.302,424,407 00 

$386,443,981 00 
. 28,855,703 00 

$357,588,278 00 
. $1,836,793 00 



.,452,895 93 

475,171 24 

133,937 57 

55,794 73 

118,488 02 



12,236,287 49 

Premiums. 
£3,037, 180 06 
3,072,447 96 

£6,109,628 02 
2,466,886 66 

13,642,741 36 
214,938 06 

13,427,803 30 
),784 91 



418 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE SCOTTISH UNION AND 
NATIONAL INSURANCE COMPANY, EDINBURGH, GREAT 
BRITAIN. 

M. Bennett, Jr., Manager. 
Office, No. 223 Asylum Street, Hartford, Conn. 



Summary of Assets, Dec. 31, 1883. 



Loans on mortg'e of real estate (first liens*) , 

United States bonds, .... 

Middlesex city debentures, . 

Toronto city bonds, .... 

Cash in the office of the company, 

Cash deposited in bank, 

Premiums in course of collection (gross), 

Reinsurance due, 

Gross assets, 

Deduct special deposits in other States, 

Balance, 



$304,000 00 
502,200 00 
57,875 00 
64,798 00 
12,822 28 
75,101 32 
56,720 53 
5,973 62 



$1,079,490 75 
376,873 00 

$702,617 75 



Liabilities. 

Losses adjusted, unpaid, .... $7,444 00 

claimed and reported, . . . 30,000 00 

Unearned premiums on outstanding risks, 216,049 64 

Commissions and brokerage, . . . 7,600 00 

Gross liabilities, ..... $261,093 64 

Deduct liabilities on special deposits, . 97,789 03 



Surplus, 



163,304 61 



$539,313 14 



$721,682 08 
344,062 13 



Income. 

Cash received for fire premiums, 

Deduct reinsurance and return premiums, . 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 



$377,619 95 
14,600 06 
23,844 96 

$416,064 97 



* Value of lands mortgaged, .... $329,000 00 

Value of buildings thereon 345,000 00 

Amount of insurance held as collateral, . . 311,200 00 



1883.] FOREIGN FIRE INSURANCE COS. 



419 



Expenditures. 



Cash paid for fire losses, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, ... 

for incidentals, 

Gross cash expenditures, .... 



281,717 25 
55,563 00 
21,242 49 
10,782 49 
21,448 07 

$390,753 30 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

.$34,790,256 00 $352,887 91 
. 67,076,898 00 724,491 52 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$101,867,154 00 $1,077,379 43 
. 51,954,306 00 479,861 64 



),912,848 00 $597,517 79 
. 13,503,245 00 181,958 80 



$36,409,603 00 $415,558 99 



Miscellaneous. 
Fire losses incurred during the year, . 



$283,340 82 



UNITED STATES BRANCH OF THE SUN FIRE OFFICE 
COMPANY, LONDON, ENGLAND. 

Uri S. Gilbert, Resident Manager. 

Office, Watertown, New York. 



Summary of Assets, Dec. 31, 1883. 



Loans on mort'ge of real estate (first liens), 
Interest due or accrued thereon, . 
United States bonds, .... 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, 
Premiums in course of collection (gross), 
Notes taken for fire risks, . 

Gross assets, 

Deduct special deposits in other States, 



$447,500 00 

3,427 09 

687,212 50 

5,149 31 

169,173 51 

3,437 81 

146,849 07 

13,034 39 



,475,783 68 
188,462 50 



Balance, 



$1,287,321 18 



420 



UNITED STATES BRANCHES OF [Dec. 31, 



Liabilities. 

Losses adjusted, unpaid, .... $19,730 53 

claimed and reported, . . . 88,150 47 

disputed or resisted, . . . 9,277 00 

Unearned premiums on outstanding risks, . 856,483 02 

Gross liabilities, $973,641 02 

Deduct liabilities on special deposits, . . 96,237 18 



177,403 84 



Surplus, 



,917 34 



Income. 

Cash received for fire premiums, . . . $1,233,817 89 
Deduct reinsurance and return premiums, . 155,207 96 

Net cash received for fire premiums, . . $1,078,609 93 

Interest received on bonds and mortgages, . . . 8,468 88 

Interest and dividends received from all other sources, . 27,741 78 
Received from home office, $100,000 00 

Gross cash income, $1,114,820 59 



Expenditures. 

Cash paid for fire losses, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$620,994 52 

211,120 92 

73,040 81 

25,256 25 

102,691 78 

1,033,104 28 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

$139,276,128 00 $1,355,857 83 
.130,411,670 00 1,304,525 79 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$269,687,798 00 $2,660,383 62 
. 109,024,048 00 1,108,455 98 



$160,663,750 00 $1,551,927 64 
877,553 00 7,057 42 



$159,786,197 00 $1,544,870 22 



Miscellaneous . 

Fire losses incurred during the year, . 



|655,206 00 



1883.] FOREIGN FIRE INSURANCE COS. 



421 



UNITED STATES BRANCH OF THE THAMES AND MERSEY 
MARINE INSURANCE COMPANY (LIMITED), LIVERPOOL, 
ENGLAND. 

A. J. Macdonald, Manager. 
Office, New York. 



Summary of Assets, Dec. 31, 1883. 



United States bonds, .... 

■ 

Cash deposited in bank, 

Premiums in course of collection (gross), 

Notes taken for marine and inland risks, 

Reinsurance due, 

Gross assets, 

Deduct special deposits in other States, 

Balance, 



2,807 50 

4,016 15 

24,598 02 

7,705 37 

728 99 



$619,856 03 
211,557 50 

$108,298 53 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 

Less reinsurance, .... 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Commissions and brokerage, 

Due for reinsurance, .... 

Gross liabilities, .... 
Deduct liabilities on special deposits, . 



$100 00 

115,200 00 

25,000 00 

$140,300 00 
6,750 00 

$133,550 00 

41,291 47 

470 00 

4,698 14 

$180,009 61 
1,189 54 



178,820 07 



Surplus, 



$229,478 46 



Income. 

Cash rec'd for marine and inland prem's, . $393,860 89 
Deduct reinsurance and return premiums, . 74,158 11 

Net cash rec'd for marine and inl'd prem's, 

Interest and dividends received from all sources, 



$319,702 78 
16,439 00 



Gross cash income, 



$336,141,78 



422 



UNITED STATES BRANCHES OF [Dec. 31, 



Expenditures. 

Cash paid for marine and inland losses, . $280,929 34 
Deduct salvage and reinsurance, . . 7,361 14 

Net cash paid for marine and inland losses, $273,568 20 

Cash paid for commissions and brokerage, . . . 56,910 59 

for salaries of officers and employees, . . 12,694 71 

for State and local taxes, 5,628 66 

for incidentals, 7,851 33 

Gross cash expenditures, $356,653 49 

Risks and Premiums. 

Premiums. 

Marine risks outstanding Dec. 31, 1882, . $2,306,147 00 $19,700 23 

written during 1883, . . 66,086,896 00 413,690 00 



Total, $68,393,043 00 $433,390 23 

Deduct risks expired and terminated, . . 64,829,429 00 374,974 48 



In force at end of year, 



1,563,614 00 $58,415 75 



UNITED STATES BRANCH OF THE TRANSATLANTIC FIRE 
INSURANCE COMPANY, HAMBURG, GERMANY. 

E. Harbers, Resident Manager. 

Office, No. 62 Liberty Street, New York. 



Summary of Assets, Dec. 31, 1883. 

United States bonds, $405,437 50 

Cash in office and in bank, .... 67,949 10 

Premiums in course of collection (gross), . 20,847 68 

Premiums more than 3 mos. due, $330 10 

Gross assets, 

Deduct special deposits in other States, .... 



Balance, 



$494,234 28 
124,750 00 

$369,484 28 



Liabilities. 

Losses adjusted and reported, . . . $27,423 65 

disputed or resisted, . . . 2,500 00 

Unearned premiums on outstanding risks, . 135,726 48 

Gross liabilities, $165,650 13 

Deduct liabilities on special deposits, . . 11,915 69 



153,734 44 



Surplus, . 



$215,749 84 



1883.] FOREIGN FIRE INSURANCE COS. 



423 



Income. 

Cash received for fire premiums, . . $283,760 86 
Deduct reinsurance and return premiums, . 33,587 66 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, 

Gross cash income, 



,173 20 
14,735 28 

$264,908 48 



Expenditures. 

Cash paid for fire losses, 

for commissions and brokerage, 

X or salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$146,950 35 

52,768 49 

12,488 53 

4,934 68 

19,153 45 

$236,295 50 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1882, . . $21,679,530 00 $249,080 11 
written during 1883, . . . 23,605,879 00 285,744 55 



Total, .$45,285,409 00 $534,824 66 

Deduct risks expired and terminated, . 22,973,569 00 265,679 03 



In force at end of year, 



,311,840 00 $269,145 63 



Miscellaneous. 
Fire losses incurred during the year, . 



$148,333 47 



UNITED STATES BRANCH OF THE UNION MARINE INSUR- 
ANCE COMPANY (LIMITED), LIVERPOOL, ENG. 

Endicott and Macomber, \ A ... D , 

G. Winthrop Coffin, J ^rneys, Boston. 



Summary of Assets, Dec. 31, 1883. 

United States bonds, $371,625 00 

Cash deposited in bank 4,933 44 

Interest due and accrued, .... 3,000 00 

Premiums in course of collection (gross), . 39,318 92 

Reinsurance due, 192 12 

Gross assets, $419,069 48 



424 



UNITED STATES BRANCHES OF [Dec. 31, 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 

Total amount of losses, 

Less reinsurance, 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Commissions and brokerage, 

Due for reinsurance, .... 

Return premiums, .... 

Gross liabilities, 

Surplus, .... 



$3,302 18 
15,908 66 



$19,210 84 
3,321 53 



$15,889 31 

19,460 96 

2,867 30 

2,789 92 

10 56 



:1,018 05 



5378,051 43 



Income. 

Cash rec'd for marine and inland prem's, . $367,941 34 
Deduct reinsurance and return premiums, . 107,122 64 

Net cash rec'd for marine and inl'd prem's, 

Interest and dividends received from all sources, 

Gross cash income, 



$260,818 70 
12,000 00 

$272,818 70 



Expenditures. 

Cash paid for marine and inland losses, . $168,286 95 
Deduct salvage and reinsurance, . . 65,855 02 

Net cash paid for marine and inland losses, $102,431 93 

Cash paid for commissions and brokerage, . . . 28,743 29 

for salaries of officers and employees, . . 2,500 00 

for State and local taxes, 5,064 80 

for incidentals, 2,596 07 

Gross cash expenditures, $141,336 09 



Marine risks outstanding Dec. 31, 1882, 
written during 1883, 



Risks and Premiums. 

Premiums. 

$2,344,478 00 $22,574 61 
36,236,227 00 373,392 83 



Total, 

Deduct risks expired and terminated, . 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



,580,705 00 $395,967 44 
36,416,280 00 374,028 50 



$2,164,425 00 $21,938 94 
161,528 00 2,477 98 



$2,002,897 00 $19,460 96 



1883.] FOREIGN FIRE INSURANCE COS. 



425 



UNITED STATES BRANCH OF THE UNITED FIRE REIN- 
SURANCE COMPANY (LIMITED), MANCHESTER, ENG. 

Albo de Bernales, Manayer. 

Office, No. 1 71 Broadway, New York. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, .... 
Missouri Pacific Railroad bonds, . 
New York Elevated Railroad bonds, . 
Milwaukee and St. Paul Railroad bonds, 
St. Louis and Iron Mountain R.R. bonds, 



Securities held as collateral for cash loans 



400 shares Irving Insurance Company, 



Par value. 

$350,000 00 
50,000 00 
50,000 00 
50,000 00 
50,000 00 



Market value. 

$434,000 00 
56,500 00 
60,000 00 
54,500 00 
53,500 00 



1550,000 00 $658,500 00 



Market value. Loaned thereon. 
$o0,000 00 $20,000 00 



Summary of Assets, Dec. 31, 1883. 



Bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company, 

Cash deposited in bank, 

Interest due and accrued, . . - . 

Premiums in course of collection (gross), 

Due from other companies, . 

Gross assets, 

Liabilities. 

Losses claimed and reported, 

Less reinsurance, 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Commissions and brokerage, 

Gross liabilities, .... 

Surplus, .... 

Income. 

Cash received for fire premium?, 
Deduct reinsurance and return premiums, 
Net cash received for fire premiums, 
Income from all other sources, . 



$658,500 00 

20,000 00 

48,250 00 

152,310 40 

8,800 00 

150,000 00 

52,732 21 



$1,090,592 61 



$204,022 79 
55,873 91 

$148,148 88 

496,062 46 

45,000 00 



689,211 34 



$401,381 27 



11,559,238 99 
544,653 02 



$1,014,585 97 
21,671 58 



Gross cash income, 



. $1,036,257 55 



426 



UNITED STATES BRANCHES OF [Dec. 31, 



Expenditures. 

Cash paid for fire losses, .... $887,629 10 
Deduct salvage and reinsurance, . . 144,965 26 

Net cash paid for fire losses, . . . 

Cash paid for commissions, salaries, etc., .... 

Gross cash expenditures, 

Risks and Premiums. 

Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 

Total, . . ... 
Deduct risks expired and terminated, 



In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



1,388,011 00 
. 137,079,219 00 

$202,467,230 00 
.'100,479,207 00 

$101,988,023 00 
. 25,631,179 00 



$742,663 84 
312,704 63 

1,055,368 47 



Premiums. 

$776,744 72 
1,709,238 99 

12,485,983 71 
1,198,289 62 

tt ,287,694 09 
335,686 29 



$76,356,844 00 $952,007 80 



UNITED STATES BRANCH OF THE WESTERN ASSURANCE 
COMPANY, TORONTO, CANADA. 

George O. Carpenter, New England Agent. 

Office, No. IS Central Street, Boston, Mass. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value- 
United States bonds, 

N. Y. Central and Hudson River R.R. bonds, 
Mississippi State deposit, .... 
Georgia State bonds, 



$476,000 00 $563,240 00 
35,000 00 46,200 00 



15,000 00 
25,000 00 



15,000 00 
27,000 00 



$551,000 00 $651,440 00 



Summary of Assets, Dec. 31, 1883. 
Bonds, etc., as per schedule, . . . $651,440 00 



Cash deposited in bank, 

Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, 

Balance, 



180,870 86 
102,206 76 



$934,517 62 
227,800 00 

$706,717 62 



1883.] FOREIGN FIRE INSURANCE COS. 



427 



Liabilities. 

Losses adjusted and reported, 
disputed or resisted, 

Total amount of losses, 

Less reinsurance, 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Commissions and brokerage, 

Gross liabilities, .... 
Deduct liabilities on special deposits, . 

Surplus, 



,479 75 

4,750 00 

$93,229 75 

5,083 52 



5,146 23 
456,866 31 
20,441 35 

$565,453 89 
87,574 26 



$477,879 63 
$228,837 99 



Income. 
Cash received for fire premiums, 
Deduct reinsurance and return premiums, . 
Net cash received for fire premiums, . 
Cash rec'd for marine and inland premiums, 
Deduct reinsurance and return premiums, . 
Net cash recM for marine and inland prem's, 
Interest and dividends received from all sources, 

Gross cash income, .... 



,033,458 73 




214,673 62 






$818,785 11 


$29,024 63 


2,773 47 






26,251 16 
33,431 50 


|S, 



178,467 77 



Expenditures 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

for commissions and brokerage, 
for State and local taxes, . 
for incidentals, . 

Gross cash expenditures, 



$673,135 09 
39,871 01 



$633,264 08 

45,179 26 

168,691 45 

22,808 85 

80,131 21 

$950,074 85 



Fire risks outstanding Dec. 31, 1882, 
written during 1883, . 



Risks and Premiums. 

Premiums. 

$61,250,403 00 $848,675 78 
76,277,668 00 1,072,413 47 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, 



$137,528,071 00 $1,921,089 25 
71,284,320 00 973,383 95 



,243,751 00 $947,705 30 
3,937,508 00 61,213 23 



,306,243 00 $886,492 07 



428 



UNITED STATES BRANCHES OF [Dec. 31, 



Marine risks outstanding Dec. 31, 1882, 
written during 1883, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



. $559,147 00 
. 7,196,081 00 


Premiums. 

$13,681 07 
26,417 47 


. $7,755,228 00 
. 7,373,953 00 


$40,098 54 
34,611 73 


. $381,275 00 
21,200 00 


$5,486 81 
1,961 01 


. $360,075 00 


$3,525 80 



Miscellaneous. 

Fire losses incurred during the year, $672,718 51 

Marine and inland losses incurred during the year, . . 31,970 36 



1883.] FOREIGN FIRE INSURANCE COS. 



429 



AGGREGATE. 



Gross present assets/ 



Gross present liabilities,! 



Income. 
Net cash received for fire premiums, . 
Net cash received for marine premiums, 
Interest received from all sources, 
Income from all other sources, 

Total income, .... 



Expenditures. 

Net cash paid for fire losses, . . . 

Net cash paid for marine losses, . .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for all other items, .... 

Total expenditures, . . 



Risks and Premiums. 

Fire risks written during the year, 

Premiums thereon, 

Marine risks written during the year, 

Premiums thereon, 

Fire risks terminated, . 

Marine risks terminated, 

Fire risks outstanding at end of year, 

Marine risks outstanding at end of year, 



$33,962,197 00 



$18,432,504 00 



$25,027,650 00 

1,375,181 00 

1,120,681 00 

200,274 00 



$27,723,786 00 



$16,233,028 00 

615,712 00 

4,593,000 00 

1,593,401 00 

663,032 00 

1,410,665 00 



>5,108,838 00 



£3,271,037,423 00 

32,249,916 00 

228,877,466 00 

1,907,211 00 

2,773,G53,650 00 

221,334,337 00 

2,997,550,462 00 

25,338,211 00 



* Immediately available for the payment of losses in this State. 

t Not including liabilities in States wherein special deposits have been made. 



FOREIGN FIRE AND MARINE 

INSURANCE COMPANIES. 



432 



FOREIGN FIRE AND MARINE [Dec. 31, 



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